vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
Experian and XXXX and transition have not been updating the correct information to my credit report, I have tried disputing them and they always send me a letter saying that the information is correct and no change would be made XXXX XXXX XXXX account balance incorrect XXXX XXXX XXXX {$460.00} balance ( this account is paid in full XXXX XXXX XXXX XXXX -incorrect credit card balance {$450.00} which suppose to correct at {$360.00} incorrect balance -credit line account paid in full still show negative XXXX XXXX- account balance incorrect I would like all close accounts removed from my credit because they are paid off and not in collections or charge off,

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 2025-02-26 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: NY

Complaint narrative:
Experian and XXXX and transition have not been updating the correct information to my credit report, I have tried disputing them and they always send me a letter saying that the information is correct and no change would be made XXXX XXXX XXXX account balance incorrect XXXX XXXX XXXX {$460.00} balance ( this account is paid in full XXXX XXXX XXXX XXXX -incorrect credit card balance {$450.00} which suppose to correct at {$360.00} incorrect balance -credit line account paid in full still show negative XXXX XXXX- account balance incorrect I would like all close accounts removed from my credit because they are paid off and not in collections or charge off,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-26 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: CA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXXXXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Please remove it from my credit report XXXXXXXX XXXX agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.XXXX XXXX XXXX XXXX XXXX  Account number : XXXX I am a victim of identity theft. Please remove it from my report. 



XXXX. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX XXXX Account XXXX : XXXX I am a victim of identity theft. Please remove it from my report. 

XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX  Account number : XXXX I am a victim of identity theft. Please remove it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 writing to formally dispute inaccurate information appearing on my credit report. After thoroughly reviewing the details, I have identified several discrepancies that must be addressed promptly and accurately. This issue is of great concern, as incorrect data can significantly impact my creditworthiness and overall financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX XXXX and his DOGE XXXX. It has come to my attention that they have accessed my personal and financial information related to my student loans, including my social security number and financial status. This constitutes a violation of my FERPA rights, which are intended to protect against such breaches. 

My students loans are handled through XXXX, who is part of the US Department of Education. I respectually request that an investigation be conducted into this matter to determine what actions can be taken in response. Thank you for your attention to this sensitive issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-26 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-26 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-02-26 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, my Crypto.com account was hacked, and the hacker changed my account details, locking me out. Since then, I have been unable to access my funds for over four months, despite repeatedly following Crypto.com 's verification process. 

I have provided multiple video verifications and answered all security questions, yet every time, Crypto.com delays my case, gives conflicting answers, or restarts the process from the beginning. 

On XX/XX/XXXX, I was told that my account was fixed and that I would receive an XXXX to log in. I never received that SMS. 
XXXX ], I contacted support again, and they claimed they could not locate my account, even though I have been speaking with them for months. 
Crypto.com keeps looping me through the same process, asking for verification over and over but never actually restoring my access. 
I have substantial funds locked in my account, and Crypto.coms failure to resolve this has caused significant financial and emotional distress. I demand that Crypto.com : Restore access to my account immediately Provide a clear resolution and timeline Explain why they have mishandled my case for XXXX months Crypto.coms lack of transparency, security, and customer service is unacceptable. I am seeking immediate action to recover my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I pulled my three bureau credit report XXXX XX/XX/year> and noticed your company is unlawfully reporting inaccuracies to my credit report. These inaccuracies have already been brought to your attention and the attention of the credit bureaus one month ago with no corrective action taken.

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX has violated my rights and should not be reporting. 
As stated in the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, these accounts remain despite their inaccuracies, showing that those procedures were not followed.

Furthermore, under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case.

Additionally, 15 USC 1681s-2 clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of these accounts, even after they were disputed, is a direct violation of this provision.

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate accounts remain. This failure to comply with federal law needs to be addressed immediately.

I am requesting an immediate deletion of these accounts due to violations of my rights under the FCRA. Please investigate and take action as required under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX there was a fraud charge for {$5.00} from " XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, a mobile app for the XXXX area of XXXX XXXXXXXX XXXX for commuter transportation on my Chase business checking account. I called Chase and claimed it fraud, I live in New Jersey and do not have the App. Chase Bank claims it was from a " XXXX XXXX '' a " XXXX XXXX '' app, and there were other charges. However, I never use digital wallets, there are no charges on my account from a " XXXX XXXXXXXX '' or from " XXXX XXXX ''. My business account in not linked to a digital wallet. Chase investigation team claims there were digital wallet charges but can not produce the evidence : it is not in my statements. As of this date, XX/XX/XXXX, Chase can not and refuses to produce the evidence, claims it was not fraud, and took back the {$5.00}. Chase is allowing fraud through digital wallet scams to steal money. It is Bank XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had used my Bank of America mobile application to XXXX an amount to a friend. This amount was for {$3500.00} on XX/XX/XXXX using the mobile number ( XXXX ) as the XXXX account. The money was debited from my Bank account immediately but was never received by the intended recipient. It has been XXXX  days and the recipient has still not received any money from Bank of America. 
Bank of America is refusing to credit the amount back. I have offered to provide proof that the amount was not received by the recipient in his bank account but Bank of America is still not crediting the amount back to my account. They are also not providing any resolution forward. The XXXX service by used through my Bank of America account. 
Please help with the resolution. I can not afford to lose {$3500.00}. 

Bank of America has confirmed that the recipient is a XXXX bank customer and the recipient is ready to provide a proof from his account statement that the amount is not received.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-2 ( 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 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 2025-02-26 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-02-26 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dated back to XX/XX/2024. I had the account closed in XXXX and in XXXX I asked to be placed in a credit counseling program to pay off the debt so I would not be charged for any fees. But I continually got charged late fees and XXXX days late on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
Dear Discover, I am writing to inform you that my personal information was recently stolen and used fraudulently. I am a hardworking individual who struggles daily to make ends meet, and this situation has only added significant stress to my life. I have always been diligent in managing my finances, but this theft has caused severe hardship. I kindly ask for your understanding and assistance in resolving this matter as quickly as possible. I hope for a fair solution, as I am doing my best to recover and protect my financial future. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

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