vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sitting in my parked vehicle ( a XXXX XXXX ) at XXXX XXXX XXXX, XXXXXXXX XXXX, when an unknown repossession agent with XXXX XXXX XXXX crashed into my vehicle with a commercial truck with the hydraulic boom down and the impact slammed into my vehicle with extreme force, that the impact from the truck caused me to receive physical injuries to the head, neck and bruises from her head hitting the steering wheel. These injuries incurred {$18000.00} in XXXX expenses and {$4800.00} in suspension damages to the XXXX. Then the repossession driver then lifted the vehicle while I was still sitting inside the vehicle. I told the unidentified driver that I was calling the police and he was speaking but I could not hear him and I refused to exit the vehicle. The driver then lowered the vehicle back to the ground and got back into his truck and drove off. I reported the Hit and Run incident to the XXXXXXXX XXXX XXXX  Police Report # XXXX. XXXX XXXX of XXXX XXXX XXXX cas present when the Police Report was made and stated he knew the company because they were working on servicing the repossession truck earlier that day. 
At the time of the incident, I, XXXX XXXX was recovering from a previous XXXX XXXX XXXXXXXX and this incident caused further complications. This truck-on-vehicle impact caused {$4600.00} in suspension damage to the XXXX from the trucks boom impact into the rear of XXXX XXXX vehicle and I had bodily injuries that incurred {$18000.00} in medical expenses. When I called CarMax Auto Finance, they would not communicate with me about the incident. They only wanted to know when I would pay off the loan. However, they told me the auto loan was charged off. When they told me that, I asked for a 1099 loan charge off in my name. They told me they did not know about that nor did they have any information about the repossession company causing my injury. 
They must know who they are sending out to illegally take vehicles with people sitting int them. 
I need the insurance information for XXXX XXXX XXXX XXXX and the Insurance Information for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX located at XXXX XXXXXXXX XXXX  XXXX who is an authorized Debt Collector Repossession Agent for Car Max Auto Finance who is responsible for my injuries. 
I am a victim of illegal repossession activities that included physical force with me sitting inside a parked vehicle. The incident is on video and I have video of the company driver that caused my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) 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 APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Description of the Issue : I am disputing an inaccurate late payment being reported by TransUnion on my credit file for my XXXX XXXX account ( Account # XXXX ). 

Details of the Issue : The account is reported as " Current '' with a {$0.00} balance, meaning there should be no late payments associated with it. 
Despite this, TransUnion is incorrectly reporting a 30-day late payment, which is negatively impacting my credit score. 
I made my payment on time, and I have a confirmation number ( XXXX ) verifying that the payment was successfully processed. 
Actions Taken : I have contacted the creditor to verify my payment history and confirm that my account remains in good standing. 
I have requested TransUnion to remove this incorrect late payment per FCRA 15 U.S.C. 1681i, which requires the bureau to report only accurate and verifiable information. 
I am now escalating this dispute to ensure that the inaccuracy is corrected. 
Requested Resolution : I formally request that TransUnion remove the incorrect late payment from my credit report or update it to reflect a perfect payment history, as the account has never been late. 

This matter requires immediate attention, as the inaccurate reporting is causing unfair harm to my credit profile. Please investigate this issue and provide a response confirming the correction. 

Sincerely, [ 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 2025-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I disputed these inaccurate eviction records with XXXX, XXXX, and XXXX along with several other credit discrepancies, but they refused to remove them. I provided court documents proving that the case was withdrawn and never resulted in a judgment, but they still did not correct my report. I am now escalating the issue to the CFPB for resolution. I disputed the charges several times in XXXX  and they were views as accurate but that is incorrect I have the court documents it says I owe XXXX at XXXX XXXX XXXX dollars but I do not owe them anything there isnt any judgment It also states that I owe XXXX XXXX XXXX dollars when I also have court documents for that as well. My student loans have also been reported but I do not owe on them at all they are in forbearance and my payment is XXXX dollars monthly I will also add those documents from the student loan company Aidvantage showing that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have discovered multiple accounts on my credit report that I do not recognize, suggesting potential identity theft, as I never authorized these accounts. I previously reported this issue and now formally request their immediate removal. These unauthorized accounts are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been challenging, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to address this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit.

PLEASE SEE ATTACHED DOCUMENTS

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 2025-02-25 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: FL

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2025 I tried to pay my rent {$1600.00} online through our rental payment portal using money I had in my XXXX  account with my XXXX  debit card. For whatever reason they declined it so I tried to pay it again on XX/XX/2025 with my money in my XXXX  account but this time I tried using my XXXX account and routing number which was declined as well. Then on XX/XX/2025 I received an email from XXXX  stating they froze my account due to unusual account activity and were requesting my ID. I immediately sent back my identification as requested and finally on XX/XX/2025 I received an email from XXXX  stating they were closing my account due to a violation of there user agreement and that IF they were going to give me my money back which at this point was a balance of {$1400.00} they would let me know which could take up to 180 days. It has been over 30 days and they still have not given me my money back nor have they told me how I violated the user agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Capital One XXXX Team : I was reviewing my credit report today and was surprised to see that my XXXX credit cards were marked as late in XXXX, XXXX, and XX/XX/XXXX for the account I opened in XX/XX/XXXX. Additionally, the account I opened in XX/XX/XXXX was marked as late in XX/XX/XXXX. I am not entirely sure what happened, as I believed I had made my payments when I received my statements at home. I suspect the statements XXXX have been sent to an incorrect or previous address in XXXX, XXXX, where I no longer reside. It is also possible that during a medical emergency related to XXXX, the payment was not applied as quickly as expected. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding an unauthorized status placed on my credit file by XXXX, Equifax, and XXXX. My credit file is showing the status Credit File Status : Report Blocked for Promotional Purposes, which I never requested. This status has severely impacted my ability to verify my identity when applying for credit, rental applications, and even basic financial services such as opening bank accounts. 

I strongly believe this block was placed on my credit file as a direct result of disputes I previously submitted regarding inaccurate accounts on my credit report. Instead of properly investigating and removing the inaccurate accounts, the credit bureaus have seemingly restricted access to my credit file altogether, making it impossible for lenders, landlords, and financial institutions to verify my creditworthiness. 

This unauthorized blocking of my credit file is causing significant harm to my quality of life. I am currently in the process of moving, and I have faced repeated denials because financial institutions and landlords are unable to verify my credit file. Additionally, this issue is affecting my ability to secure employment and access essential financial services. 

I am demanding an immediate investigation into why my credit file has been blocked without my authorization and a swift resolution to have this status removed. I expect XXXX, Equifax, and XXXX to correct this issue immediately so that my credit file is accessible for legitimate verification purposes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the items in question are : These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccurate bankruptcies record appearing on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information contained in a consumers file is accurate, verifiable, and reported in compliance with federal law. However, the bankruptcy record on my report has not been validated, nor has it been properly furnished by any legitimate source. 
The XXXX Bankruptcy XXXX has confirmed that it does not report to any credit reporting agency and is not the furnisher of any such information. Bankruptcy filings are public records, but their mere availability does not constitute a valid furnishing of data under the FCRA. Additionally, XXXX, a third-party data provider, has failed to verify the accuracy of this record, further proving its invalidity. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Your failure to verify this bankruptcy record with the original creditor, or any legitimate furnisher, constitutes a direct violation of this federal law. Furthermore, your continued reporting of unverified information is a deceptive and misleading practice, which is a violation of 15 U.S.C. 1681s-2 ( b ). The willful noncompliance of these statutes subjects your company to civil liability under 15 U.S.C. 1681n. Due to these legal violations, I have suffered significant financial and emotional distress, including the inability to obtain credit and personal hardship. As you have failed to properly validate, verify, or lawfully report this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccurate bankruptcies record appearing on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information contained in a consumers file is accurate, verifiable, and reported in compliance with federal law. However, the bankruptcy record on my report has not been validated, nor has it been properly furnished by any legitimate source. 
The XXXX Bankruptcy XXXX has confirmed that it does not report to any credit reporting agency and is not the furnisher of any such information. Bankruptcy filings are public records, but their mere availability does not constitute a valid furnishing of data under the FCRA. Additionally, XXXX, a third-party data provider, has failed to verify the accuracy of this record, further proving its invalidity. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Your failure to verify this bankruptcy record with the original creditor, or any legitimate furnisher, constitutes a direct violation of this federal law. Furthermore, your continued reporting of unverified information is a deceptive and misleading practice, which is a violation of 15 U.S.C. 1681s-2 ( b ). The willful noncompliance of these statutes subjects your company to civil liability under 15 U.S.C. 1681n. Due to these legal violations, I have suffered significant financial and emotional distress, including the inability to obtain credit and personal hardship. As you have failed to properly validate, verify, or lawfully report this bankruptcy.

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 2025-02-25 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: DISCOVER BANK
State: AZ

Complaint narrative:
This account is not in compliance with the Fair Credit Reporting Act, IRS regulations and my Consumer Rights Act while being inaccurately reported by XXXX, XXXX and XXXX. These violations are unacceptable

Company response to consumer: Closed with non-monetary relief