vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Galaxy Capital Acquisitions, LLC
State: IL

Complaint narrative:
In regards to a now closed case with XXXX XXXX XXXX : Due to an unfinished case, numerous disputes, and a complaint to the XXXX, I am writing to reject the response provided by XXXX XXXX XXXX ( XXXX ) regarding my complaint about the debt they are attempting to collect on behalf of Galaxy International Purchasing , LLC. The response fails to adequately address my concerns for the following reasons : 1.Insufficient Debt Validation : XXXX  response claims to have attached relevant documents but fails to provide an itemized breakdown of the debt, including the principal, interest, fees, and payments applied. This is a key requirement for proper validation under the Fair Debt Collection Practices Act ( FDCPA ).

2.Proof of Ownership Missing : XXXX did not provide sufficient evidence that Galaxy International Purchasing , LLC has legal ownership of the debt or the right to collect on it. My request for documentation proving the chain of title was not addressed. Refusing to provide a purchase and sale agreement raises concerns about whether this debt is valid.

3.Vague Assertions About Credit Reporting : While XXXX states that their reporting is accurate and compliant, they fail to provide specific evidence addressing my concerns about the accuracy of the reported information.

4.Failure to Address Specific Dispute : My original complaint raised concerns about the accuracy of the debt balance, the legitimacy of XXXX  authority to collect, and the reporting practices. These concerns remain unaddressed. 


I request that XXXX : Provide a detailed itemization of the debt showing how the balance was calculated. 
Submit documentation proving that Galaxy International Purchasing , LLC legally owns the debt and that XXXX has the authority to collect it. 
Delete collection effective immediately due to failure to provide proper validity. 


Until these concerns are adequately addressed, I dispute the debt in its entirety. 


Thank you for your assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was notified by a identity theft monitoring service that my personal data had appeared on the dark web. On XX/XX/year>, I tried to open an account with the government XXXX XXXX and XXXX XXXX E-Verify system so I could self-lock my social security number. I attempted to pass the XXXX XXXX ' Identity Proofing Quiz and have failed multiple times. The multiple choice questions provided inaccurate names of people who have lived with me, telephone numbers that do not apply to me and events that did not happen to me but some data was correct such as mortgage data and car ownership. I complained to XXXX via email. They asked me to contact Experian which is the third-party credit bureau who provides the data for the XXXX XXXX XXXX. I sent a data incorrect dispute letter to Experian on XX/XX/year> and included copies of a utility bill, copy of my drivers license, date of birth, social security number, email address and current address. I received a written response ( report # XXXX dated XX/XX/year> saying they would not investigate the data didn't appear to be from me. I called Experian at XXXX and asked why my dispute wasn't pursued ( the image of my driver 's license was smeared. I was asked to review my credit reports for inaccurancies. None have been found but historical data is not shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted to al XXXX credit bureaus, my police report, my DL, SSC and utility bill. I followed all steps from identity theft gov.. I submitted prepared letter from identity theft.gv and I keep getting the same message back as verified. I asked for the proof of signed documents by me and payment history, but never received anything back. I have been doing this for over an year now, inspire of my police 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted to al XXXX credit bureaus, my police report, my DL, SSC and utility bill. I followed all steps from identity theft gov.. I submitted prepared letter from identity theft.gv and I keep getting the same message back as verified. I asked for the proof of signed documents by me and payment history, but never received anything back. I have been doing this for over an year now, inspire of my police 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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o Experian : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o Experian : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Experian : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " XXXX  '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On XX/XX/year> I dropped my phone while walking my dog. I was also on a XXXX  call so the phone was open. I tried looking for the phone but they must have taken it. Whoever found it used apps in my phone ( XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). PNC Bank helped reimburse most of the charges when the apps didn't return the money. XXXX transactions were not reimbursed. PNC claims that it wasn't possible for the money to be taken out of my account without me having the phone. 
I didn't have the phone on me. The money was sent to XXXX XXXX {$900.00}, XXXX XXXX {$1000.00} and XXXX XXXX {$1000.00}. I don't know any of these people. 
I reported this to the XXXX XXXX XXXX XXXX XXXX  and they did nothing to help me. I never received my police report. I gave them all the info i had on the thefts and they didn't help at all. The email address connected to the thefts is : XXXX and XXXX. 
I know I'm not the only victim and both PNC Bank and XXXX should have helped me get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have XXXX account with PayPal. A PayPal credit and a PayPal XXXX XXXX. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. PayPal/Synchony bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to PayPal and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit. Accounts ending in XXXX. Accounts ending in XXXX and accounts ending in XXXX have all been reduced extremely. I have paid off all my debt that they claim was the reason for the reduction. Please apply my credit to where they were if not more.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove a fraudulents accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
I bought crypto from Robinhood. Everything was fine until I was transferring my crypto to a secure hard wallet. They blocked me from transfering my crypto and restricted me from buying. Its been over a week with no help. They keep telling me they will call me. Ive been waiting for the call. They said it would come from a specific number. It came from a Different number. The voicemail said I could connect with an agent with the reference number they provided me. They never provided me a reference number. The support chat wont actually let me type anything to get help. I just want to get my account fixed. Theyve costed me money by restricting me access to my crypto!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the result of Identity theft, Experian data Breach, and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management
State: TN

Complaint narrative:
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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I applied for a biweekly payment plan in XX/XX/XXXX. 
Upon applying, I was required to prepay two months of payments upfront. 
However, until XXXX this year, they came up with unreasonable excuses and forced me to prepay a total of three times just to maintain the biweekly payment plan. 
Even when I called XXXX to explain the errors, they wouldn't listen and repeatedly insisted that I needed to prepay two months again to reinstate the biweekly payment plan, like parrots. The inconsistency of their responses seems to be because they use XXXX  staff. 
Although my payments were set up for auto-debit, they claimed not to have received the payments, stating that the bank rejected the transaction. 
On XX/XX/XXXX, XXXX XXXX made me prepay two months ' worth of payments for third time this year. While explaining the issue to her over an hour, she (? ) or someone manipulated on the company 's website to suit her narrative. She even suggested that she would refund the money if the bank wouldn't had rejected the payment, which felt like a cheap excuse. 
When I called the escalation department and spoke to XXXX, her response was the same as XXXX 's. They acted solely based on their terms. 
This mortgage company has made me prepay two months ' worth of payments three times within a year under setting up auto-debit.

Company response to consumer: Closed with explanation