vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, we requested the the automatic bi-weekly payments be stopped on our mortgage. We were assured this happened. Then every two weeks, we would get a notification that NewRez was processing our payment. I have called MULTIPLE times and was assured that the {$35.00} stop payment fee that I had to pay my bank would be refunded. This has yet to be resolved. I am attaching the bank form showing the stop payment and the {$35.00} fee. Furthermore, my loan was paid in full on XX/XX/XXXX. NewRez neglected to timely post the payment, resulting in an additonal per diem interest of {$53.00}. I am attaching the wire confirmation showing the XX/XX/XXXX date. I have spent HOURS on the phone with NewRez and they refuse to rectify the situation. They are also holding my payoff overage ( {$320.00} ) for an additional XXXX days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: CA

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX, I noticed an inaccurate amount of {$430.00} on my credit file from my former apartment complex and the account has been paid in full also. I reached out to the assistant manager and discussed with her the problem, she stated that she was going to take care of it, but hasn't .I then reached out to the collection agency who is attempting to collect a debt that is inaccurate cause it is paid in full and is also reporting an inaccurate amount of {$430.00}. I have sent a certified letter to the agency on XX/XX/XXXX, but have not received response from them as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : Name : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Employers : XXXXXXXX XXXX XXXX XXXXXXXX, MT These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of 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 2025-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
When I bought the XXXX XXXX XXXXr. The price was was XXXX it was in my Possession for over 24 months of a payment of XXXX an also tryed to make deals with the consumer about the motor an parts but no resolve so I wasnt able fix the repairs of motor of XXXX an payments still showing balance of more the price then what I purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-03-26 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of 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 2025-03-26 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing several inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ). The following personal information is incorrect and must be removed immediately as it does not belong to me : Incorrect Names to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My correct and only legal name is : XXXX XXXX. 
Incorrect Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My correct and only address is : XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
Collection Accounts to Remove : The following collection accounts are either inaccurate, unverifiable, or do not belong to me. As required by the FCRA, I request immediate removal unless full validation is provided. XXXX XXXX ( Original Creditor : XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$120.00} Reason for Dispute : Unverified debt, requires full validation. 
XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$610.00} Reason for Dispute : Debt does not belong to me, requires full validation. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$1200.00} Reason for Dispute : Account information is inaccurate, requires investigation. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$10000.00} Reason for Dispute : Unverified and inaccurate reporting, requires full validation. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Reported : XX/XX/XXXX Balance : {$1000.00} Reason for Dispute : Debt does not belong to me, requires full validation. 
XXXX XXXX ( Original Creditor : XXXX ) Reported : XX/XX/XXXX Balance : {$890.00} Reason for Dispute : Unverified and inaccurate account, requires full validation. 
Request for Investigation & Enforcement Action Despite my previous disputes, Equifax has failed to properly investigate or remove these inaccuracies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611, which requires credit bureaus to delete unverified, inaccurate, or outdated information. 
I am requesting that the CFPB take immediate action to ensure Equifax complies with federal law. I ask that you : Require Equifax to remove all incorrect names, addresses, and unauthorized accounts from my credit report. 
Investigate Equifaxs failure to properly handle disputes as required by the FCRA.

Ensure Equifax provides written confirmation of all corrections made. 
I have attached supporting documents for your review. Please keep me updated on the status of this complaint. 
Thank you for your time and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year> my pay pal account was hacked called and reported to pay pal and they opened up a ticket for an investigation during the mean time I been calling everyday because the hackers were able to access my card. they were able to get XXXX from my account and even transferred to crypto and I don't do crypto. I been trying to transfer the rest of funds to bank and when I did it said there was a problem each time. each time I called pay pal the reps advised the account was unlocked to transfer funds and it really wasn't called on XX/XX/year> and spoke to a rep and he stated that card will be locked until XX/XX/year> I have bills that I have to pay and things coming up that has to be paid for. This is my only means for money at this time and this is money for housing as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
Formal Complaint Summary Crypto.com Platform Behavior Submitted by : XXXX XXXX Date : XX/XX/year> SUMMARY OF ISSUE : Between XX/XX/XXXX and XX/XX/year>, I experienced a cumulative loss of over {$2400.00} USD while using Crypto.com to convert cryptocurrencies. The platform repeatedly showed different exchange rates between its preview and confirmation screens, effectively applying hidden spreads and resulting in major financial losses. These were not due to market volatility, but rather price manipulation between interface steps. 

On XX/XX/year>, while preparing to transfer funds from XXXX XXXX XXXX XXXX XXXX  to XXXX via XXXX, another pricing discrepancy was observed. Initially quoted at XXXX XXXX XXXX XXXXXXXX XXXX, the final execution rate dropped to XXXX XXXX. This would have caused an immediate ~ {$100.00} loss. Compounding the issue, Crypto.com uses a forced 15-second countdown timer on the final confirmation screen, making it difficult to properly evaluate whats happening before the trade is locked. 

No transaction fees were disclosedindicating these losses are hidden within manipulated spread pricing. 

COMPLAINT : Crypto.com has failed to provide transparent, consistent pricing. Their interface misleads users during financial transactions, and their systems are designed to prevent meaningful review by placing time pressure on trades. No warning is given about rate changes. Their behavior is predatory and undermines user trust. 

I have attached two formal documents and screenshots demonstrating these inconsistencies. Four complaint documents have been generated and are available for inspection.

REQUESTED RESOLUTION : - A full refund of over {$2400.00} USD in manipulated losses - Immediate audit of Crypto.com 's internal pricing and transaction behavior by an independent regulatory body - Suspension or withdrawal of any U.S. governmental recognition or support of Crypto.com pending investigation - Public notification to affected users about potential losses and eligibility for restitution - Consideration for a class action lawsuit on behalf of users misled by this platform I respectfully request that this be treated as a serious financial consumer protection issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Transunion : XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief