vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : * XXXX XXXX  XXXX : - PLEASE DELETE ALL ACCON REPORTED IN THE PROBLEM * XXXX XXXX XXXX : PLEASE DELETE ALL ACCON REPORTED IN THE PROBLEM I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 

* Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
* Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 


Under the FCRA, I am requesting : * Immediate investigation into the disputed items listed above. 
* Removal or correction of the inaccurate information. 
* An updated copy of my credit report reflecting these corrections. 

I have attached copies of supporting documentation to aid in your investigation, including : * A copy of my credit report highlighting the disputed items. 
* Documentation supporting my claim of inaccuracy. 


Please conduct a thorough investigation and provide me with a written response regarding the outcome within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely

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 2025-01-29 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: TX

Complaint narrative:
Dear [ Recipient 's Name ], I am writing to formally dispute inaccurate information contained in my consumer report, as well as to address your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( Civil Liability for Negligence ). As a consumer, I have the right to accurate reporting, and failure to maintain these standards has caused harm to me.I recently reviewed my credit report and found inaccurate and misleading information that is adversely affecting my creditworthiness. These inaccuracies include : [ Describe the inaccurate information : Account name, account number, date, and nature of the error ] [ Additional inaccuracies if applicable ] Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of consumer reports. Your failure to conduct a reasonable reinvestigation and correct or delete inaccurate information violates the law. Additionally, your negligence in handling my dispute and ensuring compliance with federal regulations has resulted in financial and emotional distress.I demand that you immediately investigate and correct the inaccuracies or provide documentation verifying the accuracy of the reported information within 30 days, as required by law. Failure to comply with my request may result in legal action, including seeking damages for your negligent non-compliance, as provided under XXXX XXXX XXXX XXXX have attached copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. Please provide a written response confirming the corrections or explaining your position within the legally mandated timeframe.If this matter is not resolved promptly, I will explore further legal options, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal redress.I appreciate your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this dispute and provide a resolution timeline.Sincerely, XXXX XXXX [ Your Contact Information ]

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 2025-01-29 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: TX

Complaint narrative:
Dear [ Recipient 's Name ], I am writing to formally dispute inaccurate information contained in my consumer report, as well as to address your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( Civil Liability for Negligence ). As a consumer, I have the right to accurate reporting, and failure to maintain these standards has caused harm to me.I recently reviewed my credit report and found inaccurate and misleading information that is adversely affecting my creditworthiness. These inaccuracies include : [ Describe the inaccurate information : Account name, account number, date, and nature of the error ] [ Additional inaccuracies if applicable ] Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of consumer reports. Your failure to conduct a reasonable reinvestigation and correct or delete inaccurate information violates the law. Additionally, your negligence in handling my dispute and ensuring compliance with federal regulations has resulted in financial and emotional distress.I demand that you immediately investigate and correct the inaccuracies or provide documentation verifying the accuracy of the reported information within 30 days, as required by law. Failure to comply with my request may result in legal action, including seeking damages for your negligent non-compliance, as provided under XXXX XXXX XXXX XXXX have attached copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. Please provide a written response confirming the corrections or explaining your position within the legally mandated timeframe.If this matter is not resolved promptly, I will explore further legal options, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal redress.I appreciate your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this dispute and provide a resolution timeline.Sincerely, XXXX XXXX [ Your Contact Information ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I am writing to formally dispute an issue related to my credit report following the data breach incident that occurred at XXXX, which was publicly disclosed on XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), I am requesting an investigation and resolution of this matter under the framework of protections available to consumers impacted by a breach. 

It has come to my attention that personal information, including Social Security number, date of birth, name, address, was exposed during the breach, and this could potentially affect the accuracy of my credit report. I request that Transworld review and correct any incorrect or potentially fraudulent entries resulting from this breach. 

Please confirm receipt of this dispute letter, and I request that you initiate the investigation process immediately. I expect to be notified of any changes made to my credit file or any actions taken in response to this dispute. 

Also I previously asked for Debt validation and/or Contract agreement and was provided a past due bill which does not validate this debt. Please be advised that under the FDCPA, you are required to validate this debt before any further collection efforts can be pursued. Until you provide proper validation, I request that you cease all collection activities, including reporting this debt to credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX XXXX XXXX XXXX XX/XX/XXXX to request a quote. I did not sign up for insurance through them, and instead signed up through XXXX XXXX. XXXX XXXX created a fraudulent insurance policy that I did not agree to, under the name " XXXX XXXX '' ( my actual name is XXXX XXXX, but I spelled the last name " B as in 'boy ', U-E-S-S '' on the phone with them ). I got mail addressed to XXXX XXXX, which I ignored ( as that is not my name ). I eventually discovered they had fraudulently created a policy for me and contacted them, and they were not willing to admit that the policy was forged and did not provide my " signed '' documents to me as they said they no longer had them on file. I told them I would not be paying for it as it is not even under my legal name. I did not think it could affect my credit since it is not under my name, but I have now received a hit on my credit score ( which I checked because I am preparing to purchase a vehicle ). This is due to insurance fraud, which I can prove, and I would like it removed from my credit report. It appears the account was fraudulently created XX/XX/XXXX ( After my insurance policy with XXXX XXXX was already in effect ). I assume this because that is the date I see an email in my junk mail folder saying " Welcome to XXXX XXXX. '' I had inquired with XXXX  on XX/XX/XXXX, and can see that I received emails from them between XX/XX/XXXX and XXXX asking me to " sign my documents. '' It appears they must have forged signatures XXXX. I have attached screen shots from my email ( starting XX/XX/XXXX ) with the requests from them for me to " sign documents, '' as well as the XX/XX/XXXX email " welcoming '' me to XXXX XXXX ( indicating the date the fraud likely took place ). Please note the effective date on the fake policy, which is the same as the effective date on the XXXX XXXX policy I have also attached ( proof that I did not agree to the XXXX  policy and instead went a different direction ) -- this was the date of the purchase of my new home.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XXXX XXXX I received my credit report from XXXX after disputing incorrect information my confirmation # XXXX to the dispute nothing was resolved they stated that upon investigating with credit agengy the information is correct and will not remove the inaccurate information on my credit report I would like to know what is the method used to verifify that what is being put on my credit report is accurate its unbelievable the mistakes being made without proper documentation to verify that it belongs to me I was a victim of identity theft providing police report also putting a freeze on my credit report still it was over looked and disputes came back as verified without providing me how it was verified XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX # XXXX I have never heard of this company I ask for contract or purchase agreement that this belongs to me or removed from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX requesting purchase agreement or contract validating it belongs to me Multiple Inquires made without my consent I'm requesting be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Repossession on My Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate repossession entry on my credit report that is causing undue harm to my creditworthiness. Upon reviewing my credit reports from TransUnion and XXXX, I noticed that XXXX has reported a repossession with a balance of {$16000.00}, which I believe is erroneous and should be removed or corrected immediately. 

The disputed entry details are as follows : Creditor Name : DriveTime/Bridgecrest Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$16000.00} Date of Alleged Repossession : XX/XX/XXXX Credit Bureaus Reporting the Item : TransUnion and XXXX Reason for Dispute XXXX. Inaccurate Reporting : The reported repossession contains incorrect information regarding the balance and payment history. I request a thorough investigation to verify its accuracy. 
XXXX. Failure to Provide Proper Notification : If the lender failed to provide the legally required notices before repossessing the vehicle, this would constitute a violation of federal and state consumer protection laws. 
XXXX. Potential Violation of the Fair Credit Reporting Act ( FCRA ) : If this information can not be verified with proper documentation from the creditor, it must be removed from my credit file immediately per FCRA guidelines. 
XXXX. Possible Wrongful Repossession : If payments were made or an agreement was in place that the lender ignored, the repossession should not have occurred, making this entry invalid. 


Enclosed, please find copies of my credit reports from TransUnion and XXXX, highlighting the disputed repossession. Additionally, I have included any supporting documents that may help in resolving this matter. 

Please respond to this dispute in writing within XXXX days as required by law. If no resolution is reached, I will consider escalating this matter further, including seeking legal remedies if necessary. 

I request that you investigate this matter and require the credit bureaus to provide proper validation. If the creditor can not verify the accuracy and legitimacy of this account, I request that it be deleted from my credit report immediately. 

Thank you for your time and assistance in resolving this issue promptly. I look forward to your response. 

Respectfully, 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 2025-01-29 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: IN

Complaint narrative:
I requested a removal from XXXX XXXX on my credit report. Documents showing a request for debt validation and a receipt that it was received was provided to Experian. They did not remove the account from my report. 

It is illegal for this company to continue to try to collect this debt. It is not mine, and no response was received within XXXX days.

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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
Under code XXXX XXXX XXXX XXXX. They have no right to constant harassment! They claimed it was removed but it is still on other credit reports. They are constantly harassing me trying to hold my life back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I XXXX XXXX am a victim of identity theft. I have contacted the company and requested deletion of this fraudulent account and inquiries listed in this FTC identity theft report. These accounts need to be deleted from my credit report permanently and marked as identity theft to prevent further reporting of these fraudulent items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I applied for a home loan and was denied because of fico credit score. I did not authorize any of the three credit bureaus to supersede my ability to obtain a home loan. This is my first time buying a home and have a job and either way they will get whatever property back when i die or when i pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I closed on my first loan with US bank on XX/XX/year> and because I put down 10 %, there was PMI requirement as expected. However, throughout the loan approval process, the US bank loan officer reiterated multiple times that once I paid 20 % of the " original value '' of the property, I can call them to remove the PMI. Also, in all the loan documents given to me at the time of closing, nowhere was it mentioned in writing or even verbally or email communication that I will be paying a fee of {$190.00} for an inspector to come access my property to see if the value has depreciated since the inception of the loan before the PMI could be removed. 
I called US bank and spoke to XXXX personnel 's for over XXXX and they kept insisting that I will pay the {$190.00} fee to have the PMI removed. I argued that this wasn't the original contract requirement of the loan. This is stealing and extortion in broad daylight for the following reasons : XXXX. Its wasn't in my original contract during inception of loan XXXX. The price of houses has gone up significantly and its public information XXXX. The original loan contract stated that its 20 % paid of the original price of the home at inception of loan not the current value post new assessment or appraisal. 
XXXX. Even if they used the current value, my home far exceeds the original price and this again is data US bank has and don't need to send anyone to my property to know this as they have been closing loans till today. 
XXXX. I have never missed a payment or had late payment on both mortgages I have with US bank and they are charging me PMI on both of them, yet they are wanting to extort {$190.00} from me just to have someone come physically look at my property in person to see if it depreciated or appreciated. This makes no sense as they can run comps remotely to value the home. 

Please help as millions of people are being taken advantage of by US bank with this fraudulent fee that was not outlined anywhere on my original loan contract.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 proce 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 49 financial loss, and I seek appropriate redress For these violations

Company response to consumer: Closed with explanation