vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in XXXX LAST 4 OF SSN # XXXX XXXX : XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX ga XXXX affidavit Estoppel letter IF YOU DON'T STOP REPORTING THIS FRAUDULENT ACCOUNT I WILL PROCEED WITH LITIGATION!!!!!! 
I am a consumer, This is like my THIRD time communicating with your company. im trying not to start my due process with starting my arbitration rights. I ask your company for the original contract bearing my signature, your company failed to provide that. You sent me a contract with my name type on a contract one I didn't not sign. Does not constitute as ownership of allege debt. I am asking for the following, failure to comply with my request will be a direct violation of my consumer rights and a violation of the FAIR CREDIT REPORTING ACT 15 U.S.

Codes 1681b permissible purpose I've never gave the listed companies writing or verbally consent to use my information 1666b the timing of payment section 1637b putting my name on a bill without my permission is considerate IDENTITY THEFT!!!!!! U.S. Code1681c-2 reporting information that consumer deem identity theft 15 u.s.code 1681s-2 knowingly reporting inaccurate information. A 1.l am asking for the original application bearing my signature 2. M e t h o d o f verification 3. Who verified the account for I can hold them responsible 4. Proof that you even owe the allege debt 5. insurance for the allege debt 6.Proof that it was m e who opening this account WHICH VIOLATES FCRA 15 U.S.code 1681b, 1681 s-2, 1681 c-2 1666b Failure to provide these SIX request will result in m e taking litigation action against your company. If you can not provide these things I will like your company to remove allege account immediately. skopos # XXXX indigo # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like these accounts deleted immediately!!!!! within XXXX of this letter... 
XXXX XXXX XXXX inquiry dated for XX/XX/XXXX XXXX XXXX XXXX  inquiry dated for XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Hello my name is XXXX XXXX, Im emailing you in regards to a stolen serve american express card. My Federal income taxes were deposited onto the card, and transactions were made without my consent or knowledge. Thousands of dollars ( {$5300.00} ) were drained from the card and I am now facing financial hardship. Please Help!!! 
the transactions that I did not approve of are listed below. 


Store Purchase 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Account was originally from XXXX XXXX XXXXXXXX but was sold to XXXX XXXX services for a higher amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
Account was originally from XXXX XXXX  XXXX but was sold to Nationwise Capital services for a higher amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I am writing to formally dispute the reinserted information on my credit report that was previously removed. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within XXXX business days. 

The account in question is [ XXXX XXXX ] - [ XXXX ], which was removed following a dispute. However, I have recently discovered that this account has been reinserted into my credit report without any notification from your agency within the mandated time frame. 

This reinsertion without proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). I request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide written confirmation that this has been done.

3. Ensure that all future reinsertions comply with FCRA regulations. 

Attached are copies of relevant documents supporting my claim, including the initial dispute correspondence and confirmation of the accounts removal. 

I expect this matter to be resolved promptly and look forward to your confirmation within XXXX  days of receipt of this letter. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased some furniture at XXXX XXXX XXXX  store before XXXX. The store opened a Synchrony interest free credit card for me to finance the purchase. 

I received the first paper Statement dated XX/XX/year> - Minimum payment was {$49.00} per month so I set my bank 's Bill Pay to auto pay {$50.00} per month on the XXXX of each month for a Due Date of the XXXX. " Set it and Forget '' It was the plan. 

Today when checking my bank 's bill pay, I saw a " trial '' e-bill for the XXXX XXXX XXXX  card requesting {$82.00} payment so I created an online account at Synchrony, logged in and discovered the following : * Statement Dated XX/XX/year> - {$50.00} payment received, No fees, no interest. All OK. 

* XXXX XXXX XX/XX/year>- {$50.00} payment received, XXXX statement fee of {$1.00} ADDED, but no paper statement received and no advice that this was added. This caused the minimum payment to increase without my knowledge. NOT OK. 

* Statement Dated XX/XX/year> - {$50.00} payment received, Paper statement fee of {$1.00} again added, but no statement received, PLUS {$2.00} Minimum Interest Fee for a supposedly Interest Fee loan, PLUS a {$30.00} LATE FEE added. 

So clearly this sneaky addition of an invalid paper fee created a snowball effect to create interest and other fees, hence the new required payment of {$82.00}. 
I find these business practices to be completely unethical and devious and further believe that this was a purposeful and malicious attempt to cheat me and dishonor the original interest free loan.

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 monetary relief
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Additionally, this breach may also violate the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), which mandates financial institutionsincluding student loan servicersto implement safeguards to protect consumers ' private financial data. Unauthorized disclosure of my information also raises concerns under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which regulates the accuracy and privacy of consumer credit 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 explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-03-25 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: WI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/year>, I contacted U.S. Bank regarding my XXXX XXXX XXXX XXXX account because I was charged {$85.00} in combined interest and late fees. I had paid {$80.00} on XX/XX/year>, well in advance of my due date, intending to cover my minimum payment and more. However, on XX/XX/year>, I was one day late on a remaining {$5.00} minimum payment due XX/XX/year>. For this, U.S. Bank charged me a {$40.00} late fee, despite my prior {$80.00} payment. During the call, I spoke to a supervisor who was extremely rude, refused to waive the fees when I explained Im XXXX and trying to get out of debt, and hung up on me when I asked for a survey. I believe these fees are excessive for a {$5.00} overdue amount, especially given my payment history, and the customer service was unprofessional. Id like U.S. Bank to review these charges and their handling of the situation.

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 monetary relief
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A of Title 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: ME

Complaint narrative:
On XX/XX/2025, I entered a XXXX leveraged XXXX XXXX XXXX XXXX Crypto.com, with the intent to target a known resistance level at XXXX USDT. The trade showed a minor, expected unrealized loss ( ~ {$120.00} ) for most of its duration. 

However, despite not setting a stop-loss and the market ultimately hitting and exceeding my price target hours later, the position was force-liquidated early by the platform, resulting in a net loss of {$980.00}. 

After contacting support, I requested a full explanation of the liquidation trigger, including : The mark price at the time of liquidation The margin delta used to determine closure Any embedded time-decay or volatility-linked logic Rationale for why the contract was closed prior to expiration Crypto.com failed to provide this information. They repeatedly requested the transaction ID but refused to disclose any actual liquidation mechanism or pricing logic. I made it clear this was not a request for refund, but for systemic transparency. 

I also conducted multiple controlled tests before and after this incident, with and without stop-losses. Each time, Crypto.com liquidated positions just before predictable breakout points, suggesting the platform employs internal scripts or undisclosed liquidation thresholds to harvest volatilitywhich, if true, constitutes deceptive financial practice. 

Additional users on public forums report similar behavior : Early liquidations Lack of stop-loss execution transparency No margin data or mark price visibility Templated support replies with no technical accountability This appears to be a systematic issue affecting retail traders and may represent a violation of fair-trade disclosures under U.S. securities or commodities regulations.

I am requesting that this platform be investigated for potential : Non-disclosure of material trading risks Use of internal liquidation logic not visible to users Profit-optimization behaviors that harm retail investors under the guise of volatility protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
Hello. Please know that I take my credit seriously, and I'm deeply concerned about the errors I saw on my credit report. These mistakes are causing me stress and it's also impacting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. There are even mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair, and I need it corrected immediately to prevent further damage. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please see supporting documents below pertaining to EQUIFAX DATA BREACH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized inquiries on my TransUnion credit report. Despite sending XXXX dispute letters to TransUnion, along with CFPB complaints and highlighting the specific inquiries, they have not addressed the issue and have only provided irrelevant paperwork. 

The XXXX inquiries were made without my consent by XXXX XXXX and XXXX ( XXXX  ) on XX/XX/XXXX of XXXXIve also contacted these businesses directly, but have received no response. 

I request that TransUnion remove these unauthorized inquiries from my credit report as they are negatively affecting my credit score. 

Attached are the relevant documents, including dispute letters and prior CFPB complaints. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I was the victim of a deposit scam involving an individual impersonating a XXXX fraud representative. I was instructed to add a payment card to my XXXX XXXX wallet and withdraw {$25000.00} from my business account, which I was told to deposit into what was claimed to be a new XXXX business account for security purposes. 

Initially, I attempted to complete the transaction at a XXXX ATM, but when it failed, I was directed to a XXXX ATM, where the deposit was successfully made. I later discovered that the account provided ( ending in XXXX ) was fraudulent and not connected to me. 

I contacted XXXX to request information about the transaction and where the funds were deposited, but they refused to provide any information, citing privacy concernseven though I am the victim and the account in question received stolen funds. 

Since then, I have filed : A police report with the XXXX XXXX Police Department ( XX/XX/year> ) An identity theft report with the FTC Complaints with the FDIC and XXXX A report with the FBI Internet Crime Complaint Center ( IC3 ) Chases refusal to provide any information has made it impossible to trace or recover the stolen funds. I am seeking assistance in holding the responsible account holder accountable and recovering my funds. I am also requesting that Chase cooperate with law enforcement and provide the necessary details related to this fraudulent transaction.

Company response to consumer: Closed with explanation