vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX from XXXX of XXXX until XXXX of XXXX. When I was first XXXX I had a XXXX balance on this account. Upon being released from my XXXX my account was closed and there were no funds available in my account. I informed the credit card company that there was no way that I could have made transactions at this time because of my XXXX and somebody had assumed my identity during this period ; additionally, I provided the company with proof of XXXX and documentation illustrating these facts. However, the credit card company still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship. Furthermore, there customer service is XXXX and their command of the English language is limited at best, along with the capabilities to resolve consumer issue in the U.S. A complete horrible experience attempting to resolving these type of situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-16 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: CA

Complaint narrative:
I am writing to formally address and request immediate action regarding the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX  and the credit reporting agency. The specific violations are as follows : 1. Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report. 
3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.

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 2024-12-16 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: CA

Complaint narrative:
I am writing to formally address and request immediate action regarding the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX  and the credit reporting agency. The specific violations are as follows : 1. Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report. 
3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: RI

Complaint narrative:
I purchased an item on XX/XX/2024 using my cashapp card. I waited about a week until I contacted the merchant since they still havent shipped and I ended up being blocked by the merchant. I tried making multiple disputes through cashapp and Im constantly denied even tho I showed all the proof I had. My purchase was {$36.00} and the merchant is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not liable for this loan with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase doesn't allow screenshots so I've taken pictures with my sons phone. Chase keeps charging overdraft fees but will not post the debt when it is incurred with a debit card. They'll wait, like now I've XXXX pending transactions for XXXX days but they'll post them all on Wednesday and this is Sunday, I've got many accounts set to auto withdraw and I've called them numerous times about it ... now they say I've overdraft protection but now they aren't allowing things to post and I've paid them thousands in XXXX dollar fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 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: MD

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2024-12-16 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: DC

Complaint narrative:
I am writing to formally notify you of a dispute resolution regarding a charge-off on my XXXX credit report. On XX/XX/2024, after the investigation was completed, XXXX deleted the {$34000.00} XXXX XXXX  charge-off and the {$530.00} XXXX XXXX XXXXXXXX charge-off from my XXXX report due to the information being unverifiable. 



As XXXX has completely deleted this account due to the inability to verify the debt, I am requesting that the remaining credit reporting agencies ( Equifax, XXXX, and XXXX ) also remove this unverifiable debt from my credit reports within 30 days or less. 



Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am entitled to have any inaccurate, incomplete, or unverifiable information removed from my credit reports. The FCRA stipulates that if a dispute results in an account being deleted from one credit reporting agencys file due to lack of verification, the same information must be removed from all other credit reports within a reasonable timeframe. 



Additionally, I am referencing Section 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report. If they fail to do so, I have the right to request that they remove unverifiable information promptly, and I can seek legal recourse. 



If this account is not removed from my credit report within the next 30 days, I will exercise my rights to pursue legal action, including but not limited to filing a lawsuit for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers from having unverifiable debts remain on their credit reports, and I will seek damages and relief for any harm caused by this continued reporting of an unverifiable debt. 



Please update my credit report accordingly and provide written confirmation of your actions within the next 30 days. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry on my credit file under the name TRUIST BANK, dated XX/XX/year>, originating from : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was conducted without my authorization or any permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 1681b. As you are aware, conducting an inquiry without a valid legal purpose constitutes a direct violation of my consumer rights. 

Demand for Resolution To resolve this issue, I demand the following actions : Immediate Removal of the Unauthorized Inquiry : The inquiry must be removed from all credit reporting agencies. 
Statutory Damages : Issue me the {$1000.00} in statutory damages, as provided for under 1681n of the FCRA. 
Non-Admittance of Wrongdoing : I am willing to resolve this matter amicably without requiring your client to admit liability or wrongdoing, provided my demands are promptly met. 
Notice of Potential Litigation and Estimated Costs If this matter is not resolved within 14 days, I will be forced to pursue legal action to protect my rights. In addition to statutory and actual damages, I will also seek to recover litigation costs. Below is an itemized estimate of the financial burden TRUIST BANK may incur if litigation is pursued : Expense Item Estimated Cost Attorney Retainer Fee {$5000.00} - {$7500.00} Court Filing Fees {$400.00} - {$600.00} Discovery Costs ( documents, depositions, etc. ) {$3000.00} - {$5000.00} Expert Witness Fees ( if applicable ) {$2500.00} - {$4000.00} Travel Expenses ( for hearings ) {$500.00} - {$1000.00} Additional Attorney Hours {$300.00} - {$500.00} per hour Reputational Damage ( intangible, but significant ) Variable Total Estimated Litigation Costs : {$11000.00} - {$18000.00}, excluding potential damages awarded in court. 

Opportunity for Resolution To avoid these unnecessary costs, I encourage you to address this dispute promptly. Confirm in writing within 14 days of receipt of this letter that : The inquiry has been removed. 
The {$1000.00} statutory damages payment will be issued. 
Resolving this matter now is in your best financial and reputational interest. If you fail to act, I will have no choice but to seek full legal remedies, including actual damages, which will only increase your liability. 

This letter serves as formal notice under the FCRA. I trust you will recognize the importance of addressing this issue immediately.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/year>2024, I submitted a complaint to the CFPB regarding identity theft and requested Equifax 's method of verification and investigation ( Complaint # XXXX ). I attached my FCRA 605B Identity Theft Fraud Block request and supporting documentation, including proof that Equifax improperly closed my dispute the same day it was submitted without conducting any investigation. This is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which mandates a proper reinvestigation of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NC

Complaint narrative:
I am submitting this complaint against Experian, XXXX, and XXXX for egregiously failing to remove inaccurate information from my credit report, despite being provided with official documentation ( 1099-C forms ) showing that the debt in question has been canceled. Under the Internal Revenue Code ( IRC ) 108, canceled debt is considered taxable income, and reporting it as an outstanding obligation is not only false but also misleading. I have submitted the appropriate 1099-C forms to each of the credit bureaus, yet they have continued to report the canceled debt as an active liability. This failure to update the information and remove the erroneous entry has caused significant harm to my creditworthiness, damaged my financial reputation, and subjected me to emotional distress. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under the FCRA, credit reporting agencies are legally required to investigate and correct inaccurate or incomplete information in consumer credit reports. The agencies failed to remove the canceled debt despite my providing irrefutable evidence that the debt was canceled and considered taxable income. Internal Revenue Code ( IRC ) 108 : The IRC defines canceled debt as taxable income, and once the debt is canceled, it no longer exists as a liability in the consumers financial obligations. Failing to reflect this change in my credit report is not only unlawful, but it is also misleading and harmful. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The Supreme Court ruled that " inaccurate information that harms a consumers credit standing is a concrete injury, '' and recognized that the risk of harm caused by inaccurate information on credit reports is sufficient to establish standing for claims under the FCRA. The continued reporting of this canceled debt constitutes harm to my reputation, creditworthiness, and financial standing, as well as emotional distress. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The Court reaffirmed that consumers suffer concrete harm when inaccurate credit information is disseminated to third parties, such as potential creditors. The ongoing reporting of this canceled debt by the credit bureaus has caused irreparable damage to my ability to obtain credit and has subjected me to financial disadvantage. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This case held that credit reporting agencies have a duty to ensure the accuracy of information they report, and failure to update or remove inaccurate information, such as canceled debt, violates consumer protection 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 2024-12-16 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Account opened without my knowledge, now i have a balance of {$820.00} on collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-16 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: MA

Complaint narrative:
These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : XXXX XXXX  ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3100.00} XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$6500.00} XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$11000.00} XXXX  ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$15000.00} XXXX XXXX  XXXX ACCOUNT : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$19000.00} Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have made multiple attempts to retrieve my Equifax free weekly credit report through " FTC Free Annual Credit Report ''. 

Equifax is not allowing me to pull my credit report in contradiction to FTC 's intent. In addition, I have been the victim of multiple credit breaches ; including, two OPM breaches and two EQUIFAX breaches. 

I had previously filed a complaint because they reduced my score by XXXX points in retaliation of a previous complaint. I have prepared to turn that matter over fir legal action after the holidays. This situation here is not related to that matter and is specifically regarding Equifax denying me access to my credit file. 

They continually mail letters, pretending that they need to verify my identity to justify their actions in causing me anguish, mental distress, and negative credit impact. I am able to easily pass their security by answering valid questions related to me and they are 100 % sure of my identity. 

I need to be able to pull my report immediately. They fo not have 60 days to investigate. They have 48 hours. 

Thank you.

Company response to consumer: Closed with explanation