vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Good afternoon, My account appears closed on my credit report : Oportun I have sent you two physical letters requesting Form 1099C, but I have not received any response, either negative or positive.

The account has been closed since last year, and I want to use that form to file my XXXX taxes, which are only due by XX/XX/XXXX. 

I would like to know if I can access this document through you. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
1. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Balance : {$6700.00} Status : Collection Account Unpaid Opened : XX/XX/XXXX XXXX  This account appears to have been re-inserted or inaccurately reported on my credit report without any notice of re-insertion as required under FCRA 1681i ( a ) ( 5 ) ( B ). I have not received proper verification of the debt, nor notification within the required 5 business days of re-insertion. This is a violation of both FCRA 1681i and 1681s-2 ( b ). 

2. XXXX Account Number : XXXX Balance : {$0.00} ( Closed account, {$10000.00} limit ) Noted : 2 Late Payments Despite the balance being {$0.00} and the account closed, late payment information continues to be reported without sufficient validation. I requested verification of these late payments, but have received no evidence or investigation response. This violates FCRA 1681s-2 ( b ) and 1681i ( a ). 

3. XXXX XXXX XXXX ( Original Creditor : XXXX AAA ) Account Number : XXXX Balance : {$310.00} Opened : XX/XX/XXXX This is an open account with an unpaid balance, and yet no status is clearly marked. The reporting is incomplete and ambiguous, which misrepresents the true nature of the account and impacts my creditworthiness unfairly. This violates FCRA 1681e ( b ) which mandates maximum possible accuracy in reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial lose and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AR

Complaint narrative:
I previously submitted a complaint regarding Aldous & Associates ( XXXX ) and XXXX XXXX XXXX an invalid debt that was wrongfully sent to collections. In response, Aldous & Associates merely stated, Per your request, there will be no further contact made to you from our office. However, they failed to address the core issues of my dispute and did not take the necessary corrective actions.

Issues that remain unresolved : 1. The debt is still being reported on my credit report, despite my dispute.

2. Aldous & Associates did not formally acknowledge the debt as invalid, nor did they confirm that all collection efforts have ceased. 
XXXX. XXXX XXXX has not provided confirmation that my membership was properly canceled, nor have they corrected their records to reflect the cancellation as originally requested. 
XXXX. Neither Aldous & Associates nor XXXX XXXX have issued a formal response confirming compliance with my requested resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: NV

Complaint narrative:
original creditor is XXXX XXXX XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
Experience is supposed to remove my medical bills off my credit they have yet to do so they gave me a date of XX/XX/XXXX that they would be removing everything. It is since past XX/XX/XXXX and still there on my account.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I attended Colorado XXXX XXXX, and was told that the school was an accredited college, after one term, found out that the school is NOT accredited, I informed the school that I would no longer be attending. the course that I attended was for 8 months, and that was the end of my course. I requested documentation, validation of the debt and they never sent this infomation to me, and now they have errouniously reported negatively on my credit. I was never contacted by this school. they also told me that there would be a graduation, and to date there has not been a graduation for our class. this school is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This company is violating my personal right under the FCRA 605B I have show this company that I never live at this address I have show my support documentation and still Company is still reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting 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.

I am ling this FTC Identity Theft Adavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX, Acct # XXXX, a credit card account opened at XXXX XXXXXXXX XXXX, Acct # XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, Acct # XXXX, and a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX, Acct # XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All of the accounts above, collections, late payments, charge-offs, and hard inquiries result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments, charge-offs, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-24 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:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and my consumer rights. The following issues have occurred : Failure to Conduct Proper Investigation by TransUnion - 15 U.S.C. 1681i I disputed multiple inaccurate accounts on my credit report with TransUnion. Despite my dispute, these accounts were verified without proper documentation. Resolution Requested : I request all documents used in the verification process or the immediate removal of these accounts. Inaccurate Delinquency Reporting - 15 U.S.C. 1681e ( b ) The report incorrectly shows late payments in 11/2023 and 12/2023 for a closed and fully paid account. A paid account can not have further delinquencies. Resolution Requested : I demand the removal of the incorrect late payments. Duplicate Collection Accounts - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) My credit report contains multiple collection accounts ( # 3011, # 3017, # 3006, # 3008, # 3014, # 3019 ) with the same original creditor and similar balances, suggesting duplication and improper reporting. Resolution Requested : Delete any duplicate accounts. Illegal Re-Aging of Debt - 15 U.S.C. 1681c ( a ) Certain collection accounts appear to have updated delinquency dates, possibly restarting the seven-year reporting period, which is illegal under the FCRA. Resolution Requested : Correct the Date of First Delinquency ( DOFD ) or remove these accounts. Failure to Mark Disputed Accounts - 15 U.S.C. 1681s-2 ( a ) ( 3 ) TransUnion failed to mark disputed accounts as " disputed by consumer, '' violating the FCRA. Resolution Requested : Update the accounts to reflect the dispute or remove them. -SEE ATTACHED FILES

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 2025-03-24 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against [ Company Name ], a cryptocurrency exchange platform, regarding their marketing practices surrounding Dogecoin ( DOGE ), which I believe are misleading and violate consumer protection laws. 
Details of the Complaint : Excessive Hype and Misrepresentation : [ Company Name ] has been actively promoting DOGE through aggressive marketing campaigns, including social media posts and celebrity endorsements, creating an inflated perception of the cryptocurrency 's value and potential for significant returns. These campaigns often lack crucial information about the inherent volatility of cryptocurrency investments and the risks involved in trading DOGE. 
False Claims of Utility : [ Company Name ] has made misleading statements about DOGE 's practical use cases, suggesting it is widely accepted as a form of payment or has significant utility beyond its speculative value. This is not supported by evidence of real-world adoption.

Failure to Disclose Conflicts of Interest : There are concerns that [ Company Name ] may be financially incentivized to promote DOGE due to their own holdings or potential benefits from increased trading volume, which is not adequately disclosed to consumers.

Targeting Unsophisticated Investors : The marketing tactics employed by [ Company Name ] appear to be specifically designed to target inexperienced investors with limited knowledge of cryptocurrency, potentially leading to significant financial losses.

Specific Concerns : [ Provide specific examples of misleading advertisements or marketing materials, including dates, platforms, and key statements. ] [ Mention any instances where the company failed to disclose potential risks associated with DOGE investment. ] Requested Action : I request that the CFPB investigate these practices and take appropriate action to protect consumers from further harm, including : Issuing a cease-and-desist order to [ Company Name ] to stop misleading marketing practices related to DOGE.

Requiring [ Company Name ] to provide clear and accurate disclosures regarding the risks and volatility associated with cryptocurrency investments.

Initiating an inquiry into potential conflicts of interest related to the company 's promotion of DOGE.

Contact Information : 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 explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

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 2025-03-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am writing to formally dispute unauthorized and unrecognized entries reported on my credit reports by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have never entered into any agreement with these debt collectors, nor have I authorized the opening or transferring of these accounts. These entries have appeared under account numbers XXXX, XXXX, and XXXX on my credit reports from XXXX, XXXX , and Experian. 

The presence of these inaccurate reports is adversely affecting my XXXX XXXX and my financial standing. This discrepancy hampers my ability to secure credit and engage in other financial activities. 

Attached to this complaint, you will find a screenshot of the disputed entries on my credit report. I trust that the CFPB will address this matter with the urgency it requires and ensure the integrity and accuracy of my credit information. 

Thank you for your immediate attention to this matter.

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 2025-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have a student loan with SoFi, which I refinanced with the same institution on XX/XX/year>2025. However, SoFi arbitrarily increased the loan amount by approximately {$1000.00}. I have attempted to resolve this issue multiple times and have spoke with more than 5 Sofi representatives, but no one has provided a solution. 

Additionally, in SoFis internal system, the original loan I refinanced still appears as outstanding ( duplicated loan ). Despite making timely payments on the new refinanced loan, I continue to receive emails and calls stating that I am delinquent on a loan that no longer exists. 

This error is causing unnecessary stress and potential harm to my credit. I request an immediate resolution to correct the loan balance and update my account to reflect the accurate status of my refinanced loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted a request to remove the PMI from my account. 

On XX/XX/XXXX, an interior inspection of my property was performed. 

Three weeks later I contacted Round point mortgage to follow up.

I was advised that my request was denied because my XXXX was not 80 %. 

I was advised that my home was valued at $ XXXX and that was not eligible to have the PMI removed until the loan balance reached $ XXXX. 

I believe that my home was seriously undervalued. 

In XX/XX/XXXX, I filed a complaint against this company for undervaluing my property during the refinancing process. During the refinance process, Round point incorrectly appraised my home at $ XXXX and noted in their report that the subject property was a 3-bedroom/ 3-bathroom 3 story home, which is incorrect. My home is a 4-bedroom/ 4 1/2-bathroom 4 story home. 

After filing the complaint and providing comparable properties in my community, specifically XXXX XXXX XXXX XXXX ( sold for $ XXXX ), Round point corrected the error, assessed the value of my home at $ XXXX, and processed the refinanced. 

At present, Round Point is valuing my property at $ XXXX which is a $ XXXX appreciation ( over a 4-year period ). That is seriously incorrect. 

I believe this company intentionally undervalues its customer properties to void removing the PMI or refinancing at a lower rate. 

I am requesting your assistance with the following : 1. publicly post my complaint on your website ; 2. a correct evaluation of my property ; 3. PMI removal from my monthly payment ; 4. cost of the appraisal waived ; 5. refund of any PMI payments beginning XX/XX/XXXX ; and 6. assess any applicable penalties or fines against this company for its predatory lending practices. 

Thank you.

Company response to consumer: Closed with explanation