vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MN

Complaint narrative:
I am filing this complaint regarding inaccurate late payments reported on my credit report by XXXX for my federal student loans ( Account Number : XXXX XXXX XXXX ). 

I had 13 loans under this account, all of which were in approved forbearance from XX/XX/XXXX, to XX/XX/XXXX. During this period, I was not required to make payments. However, my credit report incorrectly reflects late payments for XXXX and XX/XX/XXXX on these loans, despite the fact that they were in forbearance. 

This inaccurate reporting has significantly damaged my credit score. Under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Because my loans were not in repayment status at the time, these reported late payments are an error and must be removed. 

I previously contacted XXXX multiple times to request a correction, but they have not taken any action to fix this error. This failure to correct inaccurate reporting is unacceptable, and I am now seeking CFPB assistance to ensure XXXX complies with federal credit reporting laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I am writing to formally request a further review and escalation of my complaint against Crypto.com ( Complaint ID XXXX XXXX  ). Crypto.coms response does not adequately address the concerns raised in my original complaint, and I believe that their handling of this matter has failed to provide appropriate consumer protection.

Key Issues with Crypto.coms Response : 1. Lack of Consumer Safeguards Against Fraudulent Transactions Crypto.com states that I voluntarily initiated the transactions to a third-party wallet ; however, they failed to implement adequate security measures to protect users from fraudulent transactions. 
- Crypto.com does not verify or flag potentially fraudulent wallets before processing transactions. 
- No warnings or risk alerts were provided when sending funds to an unknown or unverified external wallet. 
- Other financial institutions often have fraud prevention mechanisms, such as transaction holds, additional verifications, or fraud alertsCrypto.com failed to provide any such protections. 

2. Failure to Provide Assistance in Recovering Lost Funds Crypto.com claims they can not reverse blockchain transactions, but they have not taken any steps to assist in the recovery of my stolen funds. Possible actions they could take include : - Flagging the receiving wallet address as fraudulent to prevent further scams.

- Coordinating with law enforcement or blockchain forensic services to trace or freeze the funds.

- Contacting the exchange or service where the stolen assets were transferred to request a freeze or investigation.

3. Negligence in Educating and Protecting Users Against Fraud Risks - While Crypto.com provides educational resources, these are not actively enforced within the platform. They failed to warn me about common scams before allowing the transaction to proceed. 
- No real-time fraud detection system was used to flag my transaction despite it being an unusual or high-risk transfer. 

Request for Further Review and Action Given the above, I respectfully request that CFPB : - Escalate this case for further review and reconsider whether Crypto.coms consumer protection practices comply with financial safety regulations. 
- Require Crypto.com to provide a more detailed resolution regarding their due diligence, fraud prevention, and potential remediation steps. 
- Investigate whether Crypto.com should be held accountable for failing to provide adequate protections against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # ending in XXXX, has violated my rights. 

15 USC XXXX Section 602 States I have the right to privacy. 

15 USC XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

15 USC XXXXB : A creditor may not treat a payment on a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-02-19 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
In XX/XX/XXXX, we received a delinquent tax notice for XXXX XXXX, Alabama XXXX taxes for Parcel 13 000 18 2 002 011.001 ( primary parcel on mortgage deed is 13 00 18 2 002 011.000 ). XXXX  XXXX  ( # XXXX ) was the servicer at that time. They were contacted by phone. The Tax department stated that they would pay the taxes from escrow and that XXXX would cover the penalties & interest since they were obligated according to the mortgage documents. 

In XXXX, XXXX, the mortgage was transferred from XXXX to Freedom Mortgage ( # XXXX ). I attempted to reach out to XXXX for a followup regarding the taxes but was referred to Freedom Mortgage. Freedom Mortgage tax department representatives stated that they were going to ensure that the tax payment had been made. 

On XX/XX/XXXX, after receiving another yet another delinquent tax/lien/foreclosure notice from XXXX XXXX- now for XXXX & XXXX - I contacted Freedom Mortgage ( XXXX ). The tax representative stated that XXXX & XXXX outstanding taxes, fees would be paid. 

On XX/XX/XXXX, I received a text message from an XXXX XXXX wanted to obtain the threatened property. Since it was a holiday and the tax office was closed, I contacted the closing attorney ( XXXX XXXX XXXX XXXX XXXX ) & spoke with Attorney XXXX. He accessed the county 's records & verified that the lien was still in effect. 

On XX/XX/XXXX, another XXXX Assessor delinquency/lien/foreclosure notice was received via mail. The original bill was around {$60.00}, and now the balance totals around {$300.00} ( interest is charged daily ). There is currently a lien on the property and threat of foreclosure as a result of the outstanding taxes & fees. The original bill was around {$60.00}, and now the balance totals around {$300.00} ( interest is charged daily ). 

Both XXXX XXXX Freedom Mortgage are failing to provide contractual obligations for this mortgage instrument.

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 2025-02-19 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: MS

Complaint narrative:
New Information is being submitted : Please send to the Credit Bureaus THIS NOT A DUPLICATE COMPLAINT XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Attn : Equifax Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX From : XXXX XXXX Dear Equifax Dispute Center, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have filed both an FTC Identity Theft Complaint and a CFPB Complaint regarding this matter. I request the immediate removal of the fraudulent information detailed below from my credit report. 


Address Dispute : XXXX : XXXX XXXX XXXX XXXX XXXX Georgia XXXX Current : XXXX XXXX XXXX XXXX Mississippi XXXX FTC Identity Theft : XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX Account : XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX XXXX : {$0.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX Balance : {$32000.00} XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX Balance : {$10000.00} XXXX. XXXX XXXX - XX/XX/XXXX Account : XXXX XXXX {$1200.00} Fraudulent Inquiries : The following inquiries were made without my consent. Someone used my personal information in an attempt to secure an auto loan. I request these inquiries be removed : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Legal Basis for Removal : Under 15 U.S.C. 1681c-2, I am formally requesting the removal of the fraudulent accounts and inquiries, as I have been a victim of identity theft. This is my legal right to have inaccurate or unauthorized information blocked.

Thank you for your prompt attention to this matter. I look forward to the removal of these fraudulent accounts and inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 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 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: NY

Complaint narrative:
In XXXX of XXXX, I moved into an apartment in XXXX XXXX  Apartments XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX had a XXXX infestation, as well as XXXX mold. It was uninhabitable. Exterminators were called, and it promptly was revealed that the infestation was much larger. I left XXXX days after moving in and soon after returned my keys. 

The property agreed to send me a refund for my first month of rent and initial deposit, which was sent to me. 

Some months later, it was revelead to me after that a debt collection agency was trying to collect the amount of XXXX month 's rent from me. I did not understand why, and a closed account was reflected on my XXXX XXXX, hurting it severely. 

After months of contact with both the debt collection agency and XXXX XXXX  Apartments, the apartment complex revealed to me that this charge was made in error, and has attempted to correct it. 

However, in 2025, the debt collection law office of XXXX XXXX XXXX, is still attempting to collect this debt from me that I do not owe. 

Not only did I lose several belongings in moving into an uninhabitable apartment, but this debt collection agency is trying to collect a debt I do not owe almost XXXX years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I did not apply for a payday loan from this company as I was unable to caretake or provide for myself at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: KY

Complaint narrative:
Attached is how the credit bureaus ( TRANSUNION, EQUIFAX, EXPERIAN ) quote validated the debt being reported. See the attached document alleging veracity of these claims. 
I had illegal and fraudulent accounts on my report. I informed experian of these accounts and asked them to verify the veracity of the info being reported. Meanwhile, I also requested verification from the account in question, from the reporting company, simultaneously. After disputing, experian responded that they had verified the debt. However I also verified the debt. Or disqualified the fraud, more correctly. Of which, the company provided no contract, no forms, not even one document with my legal name, address, phone number, account number of any other information pertaining to me, on the document. So experian verified the debt using a document, with XXXX peoples names on it, XXXX of which I may know but neither I know with certainty, and listing any identifying information about me fails to exist. Ill upload this document. Its a joke, verifies nothing for no one. So they fraudulently verified the debt and then illegally allowed it to go in being reported. Have told these credit bureaus, off and on for XXXX XXXX, these were invalid, fraud, illegal accounts. I finally realized they they arent verifying anything and are just using dishonest business practice to appease these white collar criminal enterprises.

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 2025-02-19 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: TN

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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For one, back in XXXX my car got broken into and I file a police report and sent it to chase, they overcharged my account XXXX. I was working and they was taking my work checks until I had the job stop them from depositing my funds into that account. I talked to one of the representative, and she basically called me a liar and said that it was me that rented a car which I already have a car so why would I rent a car? Even with the police report, they claim and fraud department said that I was the one who made the purchase of the vehicle which it wasnt me and I had a police report so it was XXXX profiling then, recently I had a settlement and one of the guys who work there doesnt work at the place no more and take the money and ran with the money. I told the bank about it, but I never made a claim. My boyfriend sent me {$500.00} to feed my kids for the rest of the couple of weeks and when I went to go get a hotel room and go to the grocery from the store my car was declined so when I talk to him, they said that my car was frozen and they couldnt even give me an explanation why it was frozen which once again racially profile because the money on the card was sent to me so why is my car frozen? They gave me an email and I emailed them Thursday Friday Saturday, Monday, Tuesday and Wednesday and still nothing has been sent to my email on the reason why my phones can not be released to me again racially profile. I need my account unfrozen so I can take the money off the account so that I can feed. My kids is cold outside and I have a XXXX month old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: AZ

Complaint narrative:
After over a year of disputes with XXXX XXXX they failed to provide me with a debt validation but yet reporting negative information on my credit reports. Please provide me a copy of 1099c or provide proof if this debt belongs to me.

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 2025-02-19 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: AZ

Complaint narrative:
After over a year of disputes with XXXX XXXX they failed to provide me with a debt validation but yet reporting negative information on my credit reports. Please provide me a copy of 1099c or provide proof if this debt belongs to me.

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 2025-02-19 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: MOHELA
State: AZ

Complaint narrative:
I am requesting a refund for my XX/XX/XXXX and XX/XX/XXXX payments. These are overpayments. Mohela is saying to contact Dept. of the Treasury, which I did. The XXXX  has no record of those two payments and referred me back to Mohela for the refund.

I contacted my bank who said that Mohela is the only one that can give the refund since they have the records. 

Mohela confirmed that I have XXXX overpayments ( XX/XX/XXXX and XX/XX/XXXX ) and said it could take XXXX  days. This was back in XXXX and it is now XXXX. Each time I contact Mohela, they refer me to the XXXX  but the XXXX  does not have record of these XXXX payments since I already met the qualifying payments. 

Please help. I am currently waiting on {$1200.00} and Mohela refuses to return that money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation