vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DAIMLER TRUCK FINANCIAL SERVICES USA LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IA

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint against Transunion for their continued failure to investigate and remove inaccurate information from my credit report, despite multiple disputes filed by me. Transunion is not in compliance with federal laws under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of my credit report.

15 U.S.C. 1681s-2 Failure of furnishers to correct and update information that is inaccurate.

15 U.S.C. 1681i ( 5 ) Failure to properly reinvestigate and delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681c ( c ) Failure to remove outdated adverse information from my report.

Despite multiple written disputes, TransUnion has failed to conduct a proper investigation and continues to report inaccurate information that is harming my creditworthiness. This negligence and non-compliance with federal law have caused me financial harm and undue stress. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate TransUnion failure to comply with the FCRA. I also demand that TransUnion promptly correct the inaccuracies on my credit report and provide written confirmation of these correction in the list below XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have caused me hardship financially for a long time I request help with this situation they have no record on my credit report that I disputed with them at all Thank you for your prompt attention to this complaint. 

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 2025-02-03 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: TX

Complaint narrative:
My personal information is not correct contacted the credit bureau to have them corrected. It was corrected and now the wrong information is back on there almost a year later I sent in my drivers license and my Social Security card with my only name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
This dept collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and l did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA l 'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.

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 2025-02-03 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX and Opportunity Financial ( formerly OppLoans ) for engaging in fraudulent credit reporting, illegal reinsertion of a previously deleted account, false verification, and reaging of the account to manipulate credit reporting. 

This account was previously disputed and removed, yet it was later reinserted under a different name without proper notice or re-verification, violating FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, the furnisher has falsely verified this account multiple times without providing sufficient documentation, violating FCRA 15 U.S.C. 1681s-2 ( b ). Each time I dispute, they change the account name, reopen a previously closed account, and alter the reporting date, which constitutes account reaging in violation of FCRA 15 U.S.C. 1681c. 

These actions have caused significant financial harm and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX was trying to get reinstated but never received the papers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-03 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: WI

Complaint narrative:
I am filing a complaint against Equifax forfailing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$570.00}, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$250.00}, XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$84.00}. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$570.00}, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$250.00}, XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$84.00}. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have two XXXX American Express gift cards that I have been unable to use despite American Express saying can use anywhere. I have tried XXXX, XXXX XXXX, XXXX, XXXX XXXX and cant use the card at all. So I have XXXX total in these gift cards just being wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Dear CFPB Team, I am writing to formally dispute the accuracy of information reported on my credit report by Equifax, specifically regarding charged-off accounts with the following institutions : XXXX XXXX XXXX Account Number : XXXX These accounts are carrying inaccurate balances and negatively affecting my credit profile. I believe that these inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, particularly 15 U.S.C. 1681, credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information being reported. Likewise, the FDCPA mandates that debt collectors provide accurate information regarding debts and conduct themselves in a way that is not misleading to consumers. The failure to accurately report the status and balance of these accounts constitutes a violation of these laws. 

Additionally, I assert that proper disclosures required to validate these debts have not been provided to me. The FDCPA requires that debt collectors send consumers written notifications that accurately detail the nature of the debt, including the amount owed and the creditor 's name. Without this information, I am unable to validate the legitimacy of the debts in question. 

Furthermore, I would like to refer to the current lawsuits against XXXX regarding their failure to investigate disputes appropriately submitted by consumers. This has raised significant concerns about their compliance with regulatory standards, and as a consumer, I deserve accurate information regarding my credit report. 

Additionally, I am a victim of the data breach involving Equifax and have been adversely affected by the mismanagement of sensitive information. The protection of consumer data is paramount, and the inaccuracies on my credit report further exacerbate this issue. 

In light of these concerns, I respectfully request that you : Conduct a thorough reinvestigation of the charged-off accounts listed above and correct any inaccuracies. 
Provide me with the necessary disclosures that confirm the validity of the debts involved. 
Inform me of the findings of your reinvestigation within the 30-day timeframe stipulated by the FCRA. 
I appreciate your immediate attention to this matter. Ensuring accurate reporting is vital to maintaining the integrity of consumer credit, and I trust that my concerns will be addressed with the seriousness they deserve. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] XXXX XXXX, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Harris & Harris XXXX - {$1600.00} I have called each company my personal information has be breach and my identity has been stolen, please resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 measure 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 significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
Good Afternoon, My name is XXXX XXXX, and I am writing to address an issue regarding a fraudulent account that was opened in my name. It has come to my attention that the XXXXXXXX XXXX, which was opened fraudulently in the fall of XXXX, has since been sold to Velocity Investments , LLC. 

I would like to formally request that you review the attached documentation and remove this account from my credit report. The account was opened without my consent, and as soon as I discovered the fraud, I took immediate action by filing a police report, reporting the incident to the Federal Trade Commission ( FTC ), and notifying the Consumer Financial Protection Bureau ( CFPB ). 

I have all relevant documentation supporting my case. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
Will you please verify that the information reported is XXXX XXXX accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. 

TRANSWORLD SYSTEMS {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my report and found incorrect information associated with XXXX XXXX at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, with the phone number 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