vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Collection agency is still in violation and using tatics to keep collection on my credit file. Agency closed out the account but did not remove account from my credit file. Agency is already in violation for not being licensed in florida were i reside therefore they should have never reported collection account to my report. I request CFPB get involed. i am giving this matter XXXX business days to be removed. attached is proof of what portfolio did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: SC

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of FXXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. XXXXo, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, JPMCB AUTO, XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 



Under 15 U.S.C. XXXXi, credit reporting agencies must investigate disputes within XXXX days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. XXXXo, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX, XXXX XXXX, COAF Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 



Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
On the Morning of Saturday XX/XX/year>, I contacted TranUnion customer service phone number for results from dispute in XX/XX/year> for inaccurate credit reporting of the 2 accounts called XXXX XXXX XXXX. TransUnion has verified this account for over a year as accurate but these 2 accounts were removed from both XXXX and XXXX for inaccurate information on my credit reports.I am led to believe that TransUnion is using AI technology to address consumers disputes which is not accurate as this has been a complaint by many consumers. The live agents arent fully investigating these disputes as they are verifying inaccurate accounts in consumers credit reports.

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 2025-02-22 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: NY

Complaint narrative:
these accts arent mine and I have already tried disputing them with an ftc report and letter but I am not getting any response back. these are associated with someone else

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 2025-02-22 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: NY

Complaint narrative:
these accts arent mine and I have already tried disputing them with an ftc report and letter but I am not getting any response back. these are associated with someone else

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 2025-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Subject : Formal Dispute of Debt Request for Immediate Resolution Dear XXXX XXXX Columbia Debt Recovery, I am writing to formally dispute the debt that has been placed under my name in relation to XXXX XXXX XXXX. My security deposit was wrongfully withheld, and the debt was subsequently sold without proper legal grounds. This constitutes an unlawful action, and I am requesting an immediate resolution. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am demanding a full validation of this debt, including all relevant documentation proving its legitimacy. Furthermore, given the wrongful actions taken by XXXX XXXX XXXX  in retaining my deposit and selling this disputed debt, I am requesting that you cease all collection efforts and remove this debt from your records. 

Please provide all documentation related to this account, including : 1. A full accounting of the charges that led to this balance.

2. A copy of the contract or agreement that explicitly states I am liable for this debt.

3. Proof that XXXX XXXX XXXX  had the legal right to sell this debt. 
4. Any correspondence or documentation related to this collection attempt. 

If this debt can not be fully verified, I expect it to be removed from any credit reporting agencies to which it has been reported. Additionally, I expect that no further collection efforts be made against me regarding this matter. 

Failure to comply with this request will leave me with no choice but to pursue legal action to protect my rights. This includes, but is not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel for potential violations of federal and state laws regarding debt collection and credit reporting. 

Please confirm receipt of this dispute and provide a written response within 30 days, per my rights under the FDCPA. I appreciate your prompt attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
I HAVE SENT XXXX XXXX A DISPUTE LETTER REQUESTING PROOF I WAS EVER LATE AND I HAVE SENT RETURN SIGNATURE AS PROOF OF XXXXXXXX XXXX FAILURE TO RESPONSE AFTER RECIEVING THESE DOCUMENTS AND REQUESTING PROOF OF ME BEING LATE BUT ONCE AGAIN IT HAS BEEN PASS THE TIMEFRAME AS LAW REQUIRE ACCORDING TO THE FCRA AND THIS IS NOW A VIOLATION FOR XXXXXXXX XXXX TO CONTINUE TO REPORT THIS LATE WITHOUT SENDING ME PROOF WITHIN THE PROPER TIMEFRAME AND MUST BE REMOVED/DELETED/UPDATE AS NEVER LATE AND XXXX FORMAT SHOWING NO LATES OR REMOVE/DELETE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
I HAVE SENT XXXX XXXX A DISPUTE LETTER REQUESTING PROOF I WAS EVER LATE AND I HAVE SENT RETURN SIGNATURE AS PROOF OF XXXXXXXX XXXX FAILURE TO RESPONSE AFTER RECIEVING THESE DOCUMENTS AND REQUESTING PROOF OF ME BEING LATE BUT ONCE AGAIN IT HAS BEEN PASS THE TIMEFRAME AS LAW REQUIRE ACCORDING TO THE FCRA AND THIS IS NOW A VIOLATION FOR XXXXXXXX XXXX TO CONTINUE TO REPORT THIS LATE WITHOUT SENDING ME PROOF WITHIN THE PROPER TIMEFRAME AND MUST BE REMOVED/DELETED/UPDATE AS NEVER LATE AND XXXX FORMAT SHOWING NO LATES OR REMOVE/DELETE THIS ACCOUNT IMMEDIATELY.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, I am filing this complaint against Calvary, a debt collection agency, for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding my request for debt validation. 
On XX/XX/year>, I sent a written request to Calvary asking them to validate a debt they claim I owe. This request was sent via certified mail with return receipt, and I have proof of delivery. Despite my request, Calvary has not provided the legally required validation information. Instead, they sent me a generic response stating that the debt was validated without including any of the following required details : 1. The name of the original creditor.

2. An itemized breakdown of the debt amount ( including interest, fees, payments, and credits ).

3. Documentation proving they have the right to collect this debt.

Under 15 U.S.C. 1692g of the FDCPA, Calvary is obligated to provide this information upon request and must cease all collection activities until they do so. Their failure to provide proper validation violates federal law. 
Additionally, if Calvary has reported this debt to any credit reporting agencies without validating it as requested, this may also constitute a violation of the Fair Credit Reporting Act ( FCRA ).

I respectfully request that your office investigate this matter and take appropriate action against Calvary for their non-compliance. I am also requesting that they be required to provide proper validation or cease all collection efforts immediately. 
I have attached copies of my original debt validation request letter, proof of delivery, and their inadequate response for your review. Please let me know if you require any additional information or documentation from me. 
I'm also in the middle of identity theft and fraud and have the documents from the FTC and Police report also. I also being sued by them and was unaware of this debt until they I received a summons that i am being sued by them Im still waiting on the police report. 

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I responded to a unauthorized invoice email to my XXXX account. I called the number on the email. This was a spoofing operation that was able to momentarily hack into my computer, locate my XXXXXXXX XXXX password, access my Coinbase account, withdraw {$1900.00} on XX/XX/XXXX ( and XXXX {$100.00} payments on XX/XX/XXXX ), convert it to XXXX on my Coinbase account, and disappear. I noticed the missing {$2100.00} funds from my XXXX XXXX  account on XX/XX/XXXX and immediately contacted XXXX XXXX and Coinbase to report the scam. Coinbase was unwilling to track down where the XXXX went, and basically said they're not responsible. XXXX XXXX was able to return the funds on XX/XX/XXXX, and I thought the matter resolved. But just yesterday ( XX/XX/XXXX ) I was notified by Coinbase that they are going after me for " Payment Required : We ran into a problem collecting funds for a recent purchase. Please complete this payment to restore your account '' for the {$2100.00} withdraw. I've just contacted XXXXXXXX XXXX and they will not allow Coinbase to withdraw any funds. I am going to lock this Coinbase account and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX  ACCOUNT # 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 2025-02-22 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX  ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My name is XXXX XXXX and recently I hired a contractor to work on my deck. This contractor, without finishing the work, ran away with my money. I disputed the money on my apple credit card but that dispute has been getting closed time and time again without a proper explanation. I have been asked several times for documentation but when I give the documentation, I am told they didn't receive it. I am detailing all the issues we have had with the contract and then with my dispute with my apple credit card.

Background : I hired a contractor for a {$28000.00} project that included deck, underdeck, and concrete work. He provided an estimate and offered a {$3000.00} discount, bringing the contract amount to {$28000.00}. I paid {$19000.00}, including {$10000.00} via an Apple credit card.

According to the contract, the contractor was supposed to supply all materials, but he only delivered the wood. While he did complete the concrete work, it was poorly executed by unskilled workers ( see attached photos ). The concrete needs to be redone, and the work has damaged my sprinkler system and lawn ( see attached chat history ). The sprinklers are still malfunctioning and leaking where dirt was piled.

The contractor began the deck work but left it incomplete, failing to adhere to village code requirements. The village has now instructed me to dismantle the deck because it lacks proper support. Despite this, the contractor is demanding late fees on the remaining balance, which was intended to cover the completion of the work. However, less than 30 % of the work has been finished. Additionally, he is charging me for concrete work, which was already included in the contract, and for transaction fees that were not previously mentioned or charged.

The contractor 's attempts to overcharge and evade his responsibilities are unacceptable, and I am determined to ensure that this situation is resolved fairly.

Apple Dispute I opened the $ XXXX amount on the apple card that was paid to the contractor. This dispute has been open several times and each time it gets closed without any information or reasons. I have provided several documentation but it has been mishandled since their emails are not getting to the dispute agent. Dispute # s are XXXX and XXXX My Request? 
For a company like Apple and Goldman Sachs $ XXXX is not a lot of money but for me it's a huge amount. I am spending another $ XXXX on top of the $ XXXX that I have lost to redo what was done. Please help me with this dispute with Apple Card since I don't believe it's being handled like it should be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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:
Hello CFPB my name is XXXX XXXX XXXX and i am personally writing this complaint under distress to bring to your attention an unauthorized credit inquiry on my credit report. I was alerted via XXXX XXXX about this new inquiry that i did not approve of. I have contact TRANSUNION but they refuse to help, This will hurt my credit score and credit image. I am seeking immediate help for this. I have also listed the inquiry below. 

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They do not reflect my accurate credit history. 
As per the Fair Credit Reporting Act, I kindly request that you initiate an investigation into this matter, and subsequently, upon verification of the enclosed documents, remove this collection account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
The delinquent payment showing on my credit report ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) was a result of my job loss due to COID-19. The CARES Act, which was signed into law on XXXX and ended XXXX XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. Thank you for your understanding and prompt action.

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 2025-02-22 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: FL

Complaint narrative:
These accts arent mine, I have repeatedly showed proof that these accounts are not mine with letters and ftc reports, they have yet to show proof these are mine

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