vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a letter from an attorney named XXXX XXXX XXXX in XXXX, Colorado attempting to collect a debt supposedly from a company called " XXXX XXXX XXXX XXXX XXXX XXXX '' for supposed " unauthorized parking. '' As far as I am aware, I have never had any dealings with this company and there would be no basis for any such debt. The attorney alleged a debt of {$80.00}. On XX/XX/XXXX, I send a letter to that attorney and described that the debt was disputed, requesting that further attempts to collect the debt be stopped, including any reporting to any credit bureau, and requested that I be provided copies of any materials indicating I owe that debt, including copies of any agreements, any evidence of a breach of the agreement, and full accounting of all funds I might have paid to this company. I never received any response. Then, more than seven months later, on XX/XX/XXXX, I received a PDF letter by text message to my personal cell phone from a new company called " Valor Intelligent Processing LLC '' apparently attempting to collect the same {$80.00} for the same disputed debt. My assumption is that this company purchased the debt, but decided not to comply with the requests in my dispute or to provide any of the documentation required by the FDCPA that I requested. From XX/XX/XXXX to XX/XX/XXXX, this company sent an additional 6 text messages attempting to collect this same disputed debt. The requirements of the FDCPA are not wiped clean just because one debt collector sells the supposed debt to another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Park Hill Holdings
State: GA

Complaint narrative:
This is a formal follow-up complaint against SafeRent Solutions , LLC for willful violations of the Fair Credit Reporting Act ( FCRA ) and continued harm caused by its reckless data handling, unauthorized scoring practices, and refusal to comply with lawful consumer protections.

Let me be absolutely clear : SafeRent had no legal right to access, score, or distribute my consumer information.

Despite their deflective response, SafeRent acknowledged that information they reported was inaccurate then deleted it. That is a direct admission of liability under FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and FCRA 1681b ( lack of permissible purpose ). You can not unring the bell deleting the data does not erase the damage your system caused. 

Further, SafeRent admits to generating a rental score about me, despite : Having no consent or authorization from me to do so Offering no transparency about how the score was created or what unverifiable data it relied on Continuing to publish that score to landlords even after previously reported data was deleted This is algorithmic profiling without consent an aggressive violation of FCRA 1681g ( failure to fully disclose contents of a consumer file ), and a clear act of negligence and data abuse.

In short, SafeRent : Produced and distributed false information Caused multiple housing denials for me and my XXXX XXXX  sons Continued to allow access to scoring models after data was corrected Failed to honor th
e spirit and the letter of federal law Ignored my demand for a TRAFFIC BLOCK under FCRA 1681c-2, which must be executed within four business days SafeRents claim that clients had a permissible purpose is irrelevant. If the data was inaccurate, unverifiable, and unauthorized, the report itself was illegal. They are still fully liable under FCRA 604, 616, and 617, and I intend to pursue them in civil court.

This is not a misunderstanding. It is a deliberate pattern of FCRA noncompliance that has caused real harm including emotional distress, reputational damage, housing insecurity, and public humiliation.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of late payments on my accoun with XXXX XXXX XXXX account XXXX. These late payment entries are incorrect, and I have reason to believe they have not been properly verified or substantiated as required by federal law. 

I have already submitted disputes regarding this matter directly with the major credit bureaus as well as with the furnisher ( creditor ). However, the disputed late payments remain on my credit report without sufficient documentation or validation. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) : Furnishers of information are required to report only accurate information.

15 U.S. Code 1681i : Upon receiving a dispute, credit reporting agencies are required to conduct a reasonable investigation within 30 days. 

To date, neither the creditor nor the credit bureaus have provided any supporting evidence, such as account records or payment history, to justify the continued reporting of these late payments. This failure to properly investigate and verify the accuracy of the negative information is a clear violation of my rights under the FCRA. 

I am requesting the following actions : 1. Immediate deletion or correction of the inaccurate late payment entries from my credit report ; 2. Written confirmation of the results of the investigation and any documentation used to support the creditors reporting ; 3. Compliance with all applicable provisions of the FCRA in a timely manner. 

Please treat this matter with urgency, as the inaccurate reporting is negatively affecting my creditworthiness and financial standing.

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 2025-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. 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 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. 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 non-monetary relief
Consumer complaint received 2025-05-25 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding a fraudulent account that was added to my credit report. 

A GS Bank Apple credit card account ( ending in XXXX ) was fraudulently opened in my name in XX/XX/year>2024 for the amount of {$550.00}. I disputed this account as identity theft, and XXXX initially removed the account from my credit report following my dispute. 

However, XXXX has since reinserted this fraudulent account back onto my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), a credit bureau must notify the consumer in writing within 5 business days of any reinsertion of previously deleted information and must ensure that the account is verified by the furnisher. I received no such notice, and this reinsertion has caused me undue XXXX and harm.

Additionally, under the FCRA and 15 U.S. Code 1681c-2, if an account is determined to be the result of fraud or identity theft, it must be permanently blocked from appearing on the consumers file. XXXX  has failed to comply with these obligations and is in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
-I applied for credit card, XXXX XXXX via phone because bank was offering XXXX benefits : XXXX XXXX cash rewards on purchases and {$200.00} cash rewards bonus when you spend {$500.00} in purchases in the first XXXX  months. 
-Bank approved the new credit card XXXX XXXX. 
-I used the credit card during XXXX months to accumulate the {$500.00}. 
-Based on my statements the amount of the purchase is as follows : date XXXX........ {$360.00} date XXXX....... {$610.00} date XXXX....... {$350.00} date XXXX ...... {$250.00} XXXX contacted Wells Fargo XXXX customer service on XX/XX/XXXX to ask about {$200.00} bonus. 
-Wells Fargo told me that the bonus is for new customers. 
-I answered that during application by phone on XX/XX/XXXX, the representative commented several details of the credit card active cash except the bonus so I assumed that I was eligible for such benefit. 
-I suggested to check call record. 
-Bank called me to inform that I have to read all information or ask about details on credit card active cash before to apply for it. 
-I did not accepted bank 's reply so I decided to contact CFPB trying to solve the issue. 
Thank you for your support Regards 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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Received a product from a merchant that ended up making me XXXX XXXX. The merchant refused to exchange or refund. Disputed with Cashapp that the item was not as described. Cashapp denied the dispute, citing that the product had been received and because of that my claim was denied. The email stated to contact support for the documents used to make the decision. I reached out to Cashapp Sipport for those documents. Support told me that they do not have those documents and to reply to the denial email. I did that, but the email bounced. I reached back out to support to tell them that. Support then escalated the matter. I then received an email stating there never was a dispute associated with that purchase. I screenshotted the previous email that included that same dispute number and used that in the reply back. I never received anything afterward. This was a {$490.00} purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX INNOVIS XXXX XXXX XXXX, XXXX PA XXXX Subject : URGENT REQUEST FOR REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT To Whom It May Concern, I am writing to formally dispute several accounts listed on my INNOVIS report that were fraudulently opened without my knowledge or consent. These accounts are the result of identity theft and do not belong to me. Please find below a list of the fraudulent accounts that I am requesting be immediately removed from my credit file : XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX. XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Credit XXXX Bank XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX  Opened XX/XX/XXXX I am requesting that these accounts be investigated and permanently deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. To support my claim, I have enclosed the following documents : A copy of my government-issued ID A recent utility bill or official mail to verify my current address A police report and/or FTC Identity Theft Affidavit Due to the serious nature of this fraud and the immediate harm it is causing to my credit profile and financial well-being, I respectfully request resolution within 7 days of receipt of this letter. If I do not receive a response or confirmation of removal within that time, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. Thank you for your urgent attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, someone hacked into my chime account & stole {$790.00} from my account by sending it to an account that is not in my contacts or no one I know. I have not sent anyone money since XXXX. I called chime that same night and made a dispute and followed up the morning after on XX/XX/XXXX. They denied my dispute, I later on re opened it and they denied it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX DATE XXXX EXPERIAN XXXX XXXX XXXX XXXX TX XXXX Subject : URGENT REQUEST FOR REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT To Whom It May Concern, I am writing to formally dispute several accounts listed on my EXPERIAN report that were fraudulently opened without my knowledge or consent. These accounts are the result of identity theft and do not belong to me. Please find below a list of the fraudulent accounts that I am requesting be immediately removed from my credit file : XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX. XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX I am requesting that these accounts be investigated and permanently deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. To support my claim, I have enclosed the following documents : A copy of my government-issued ID A recent utility bill or official mail to verify my current address A police report and/or FTC Identity Theft Affidavit Due to the serious nature of this fraud and the immediate harm it is causing to my credit profile and financial well-being, I respectfully request resolution within 7 days of receipt of this letter. If I do not receive a response or confirmation of removal within that time, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. Thank you for your urgent attention to this matter. Sincerely, 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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have sent many disputes asking for debt validation and none has been sent to me

Company response to consumer: Closed with non-monetary relief