vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: MI

Complaint narrative:
This letter serves as a formal dispute and validation request concerning the alleged student loan debt associated with the account listed above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXXg, and the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, I am requesting full and detailed documentation regarding the origination, assignment, servicing, and potential securitization of this loan. 

Specifically, I am demanding the following : 1. The full chain of assignment and ownership, from origination to current servicer or collector 2. A copy of the original promissory note bearing my signature 3. Full disclosure of any securitization activity involving this loan, including : The name of the trust ( if applicable ) CUSIP number Pooling and Servicing Agreement ( XXXX ) 4. Documentation identifying any guaranty agency that owned, insured, or transferred this loan 5. Evidence of your legal authority to collect, report, or enforce the alleged obligation If this loan was securitized, you are obligated under TILA, XXXX U.S.C. XXXX ( g ) to notify me of the transfer and provide the name and contact information of the current legal owner. 

If you can not validate this account or produce the above documentation within 30 days of receipt of this letter, you must cease all collection activity and delete any tradeline reported to consumer reporting agencies under FCRA XXXXi. 

Please consider this letter both a formal dispute and a debt validation request. Failure to respond accordingly will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, as well as potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
I sent XXXX XXXX to my XXXXXXXX XXXXi account XX/XX/year>, and realizing I did so in error, I tried to send it right back to the same wallet that I used to send the money into the XXXX  account within the same hour. I was hit with a " Security Hold '' message and am now unable to withdraw the virtual currency XXXX just took. 

Transaction ID : XXXX Origin address : XXXX Amount : XXXX XXXX I immediately sent a support email detailing this was an unjustifiable prevention of withdrawal since they JUST accepted those funds in the exact same amount from the exact same origin. I am now being run through an automated process which other users of the XXXX XXXX have detailed asks for increasingly personal information and XXXX take months to see my funds in any form. 

Currently, I have just had to send them a picture of my face and my driver 's license " which matches the ID used to register '', which is already proabably going to be an issue since I've moved states since registering and I do not have that ID that was used to register. 

I have no idea why the security hold was put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: KY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: KY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed 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 non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under XXXX U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted certified Metro 2 dispute letters to Experian for multiple accounts ( including XXXX, XXXX XXXX, XXXX, etc. ) between XX/XX/XXXX. These letters included detailed evidence of FCRA and Metro 2 compliance violations. Experian responded to 8 of these disputes in under 24 hours with no changes and failed to address or investigate the violations outlined. 

These rapid responses appear to be automated e-OSCAR replies rather than a reasonable reinvestigation as required by FCRA XXXXi. My certified letters outlined specific issues such as charge-offs reporting balances, post-closure updates, and contradictory data fields. 

Experians failure to properly investigate these violations is harming my credit profile and delaying my VA home loan eligibility. I am requesting full reinvestigation and deletion of all accounts found noncompliant with Metro 2 and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-05-09 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
This letter is in response to your recent communication regarding your investigation into an account reported by XXXX XXXX XXXX ( XXXX ) listed on my credit file. 
Under my rights pursuant to the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX and XXXX U.S. Code XXXX, I am requesting full documentation that was used to verify the accuracy of the information reported by XXXX  XXXX  XXXX XXXX Please provide the following : XXXX. Name and Contact Information of the Furnisher : Who specifically at XXXX XXXX XXXX verified this alleged account? Provide the name and title of the individual or department that confirmed the validity of the debt. 
XXXX. Validation of the Debt : Provide a copy of the original signed contract or agreement bearing my wet signature that allegedly created this debt obligation. Without such documentation, the debt is unverified and should be removed. 
XXXX. Proof of Business Relationship : When exactly did I initiate a business relationship with XXXX XXXX XXXX? I request detailed information regarding the nature and initiation date of any such relationship. 
XXXX. Chain of Custody : Provide documentation showing the full chain of assignment or sale of the alleged debt. This includes original creditor name, dates of transfer, and any contracts or assignments made between parties. 
XXXX. XXXX XXXX : Has this alleged account been securitized, bundled, or sold in any way that would alter ownership or collection rights? If so, provide proof and details of the transaction ( XXXX ). 
Please understand that per the FCRA, if this account can not be verified with proper documentation from the furnisher of the information, it must be deleted from my credit file. The burden of proof lies with the furnisher and credit bureau once a dispute is initiated. 
I request a response within the required XXXX time frame per XXXX U.S.C. XXXX ( a ) ( XXXX ). Failure to comply will result in further action to enforce my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XX/XX/XXXX[ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XX/XX/XXXX[ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar called my employers CELL PHONE number from number XXXX. They called my boss directly and claimed it was probably causeI left the number in contact info when I most likely left it for an UNRELATED loan/credit application a year or more ago. This occurred on XX/XX/year> around XXXX. I spoke with them numerous times, they continue to call even AFTER telling them I do not consent to contact me again within the next XXXX  days and even gave them a date of around XX/XX/XXXX to follow up on the roughly XXXX $ credit card debt. They have called around XXXX times since XX/XX/XXXX after telling them to no longer contact me or my employer. I told them i can make a payment around middle to end of XXXX but they proceed to call from different numbers and each person claims there is no " notes '' on my account noting that I have told them anything. I am exploring the options of legal action against them as they embarrassed me to my employer. Anyone who receives a debt call like this can typically assume it is debt related, which violates my privacy and potentially FDCPA ( Fair Debt Collection Practices 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 2025-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have XXXX accounts in collections with Midland Credit Management XXXX  with court order garnishments. 

It took past my XXXX payment due date towards my settlement offer to send me my agreement, so I made my first payment late and ever since I had a problem. 

I made payments in the MCM account portal on XX/XX/XXXX in the amount of {$50.00} each account totaling {$100.00} and XX/XX/XXXX in the amount of {$49.00} each account totaling {$99.00}. Never reported my payments amounts and dates accurately in their MCM portal and with the credit bureaus, on these dates they reported it as a missed/no payments on my credit report with the wrong balance. The remainder that I owe on their MCM portal and with all the credit bureaus are incorrect. 

The amount due at the start of garnishment was {$2400.00} Garnishment Dates with amounts XXXX {$380.00}, XXXX {$350.00}, XXXX {$410.00}, XXXX {$390.00}, XXXX {$420.00}, XXXX XXXX XXXX totaling {$2300.00} in payments, with me owing only the remainder of {$66.00} will be taken out/ garnished XX/XX/XXXX. 

Garnishment Payments also Not being reported accurately on their MCM portal and with all three credit bureaus. Making it look as if I still owe a high balance ( s ). 

I have sent XXXX emails with no response but with an incorrection balance update amount on MCM portal and with all three credit bureaus.

Company response to consumer: Closed with non-monetary relief