vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX Mortgage and XXXX XXXX XXXX, I am writing to formally exercise my rights under applicable federal and state commercial laws, specifically : 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and UCC 3-305 of the Uniform Commercial Code. 

Pursuant to these provisions, I am requesting the original promissory note or mortgage contract bearing my wet ink signature. This request is made to validate the alleged debt and establish proper legal standing for any claim or enforcement action regarding the property referenced above. 

Legal Basis for Request 1. 15 U.S.C. 1692g ( FDCPA ) : This law entitles me, as the alleged debtor, to request validation of the debt, including documentation bearing my original signature, to confirm that you are the lawful holder in due course of the note. If XXXX XXXX is acting in a debt collection capacity ( including foreclosure or loan servicing ), it is required to comply with this provision within 30 days of receiving this request. 

2. UCC 3-305 ( Holder in Due Course Defense ) : Under this section, I may raise a defense against enforcement of a negotiable instrument ( such as a promissory note ) unless the holder can prove lawful acquisition and possession of the original instrument. To establish " holder in due course '' status, the entity must demonstrate physical possession of the original note executed with a wet ink signature. Copies or digital reproductions do not meet this standard. 

Action Requested I hereby request : A certified copy of the original promissory note signed with my wet ink signature ; and Verification that XXXX XXXX is the lawful holder in due course of the instrument in question ; Disclosure of the current and original lender, and any chain of title or assignment documents related to the loan. 

Please respond to this request within the legally required time frame. Failure to provide this information may constitute a violation of federal law and may impair your ability to enforce or collect on the alleged obligation. 

Thank you for your prompt attention to this matter. I expect all communication in writing unless otherwise agreed. 

Sincerely, XXXX XXXX XXXX the living woman

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 2025-05-06 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:
Dear XXXX XXXX XXXX Mortgage and XXXX XXXX XXXX, I am writing to formally exercise my rights under applicable federal and state commercial laws, specifically : 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and UCC 3-305 of the Uniform Commercial Code. 

Pursuant to these provisions, I am requesting the original promissory note or mortgage contract bearing my wet ink signature. This request is made to validate the alleged debt and establish proper legal standing for any claim or enforcement action regarding the property referenced above. 

Legal Basis for Request 1. 15 U.S.C. 1692g ( FDCPA ) : This law entitles me, as the alleged debtor, to request validation of the debt, including documentation bearing my original signature, to confirm that you are the lawful holder in due course of the note. If XXXX XXXX is acting in a debt collection capacity ( including foreclosure or loan servicing ), it is required to comply with this provision within 30 days of receiving this request. 

2. UCC 3-305 ( Holder in Due Course Defense ) : Under this section, I may raise a defense against enforcement of a negotiable instrument ( such as a promissory note ) unless the holder can prove lawful acquisition and possession of the original instrument. To establish " holder in due course '' status, the entity must demonstrate physical possession of the original note executed with a wet ink signature. Copies or digital reproductions do not meet this standard. 

Action Requested I hereby request : A certified copy of the original promissory note signed with my wet ink signature ; and Verification that XXXX XXXX is the lawful holder in due course of the instrument in question ; Disclosure of the current and original lender, and any chain of title or assignment documents related to the loan. 

Please respond to this request within the legally required time frame. Failure to provide this information may constitute a violation of federal law and may impair your ability to enforce or collect on the alleged obligation. 

Thank you for your prompt attention to this matter. I expect all communication in writing unless otherwise agreed. 

Sincerely, XXXX XXXX XXXX the living woman

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CHERRY TECHNOLOGIES INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I applied for financing through Cherry Technologies for a dental procedure, which I canceled immediately. I never received or used any service or funds. I was assured by the provider that the account would be canceled. Months later, while applying for a mortgage, my loan officer informed me that my credit report shows XXXX and XXXX late payments for this Cherry account ( XXXX, XXXX, and XX/XX/XXXX ). 

This inaccurate derogatory reporting is jeopardizing my real estate transaction and putting my {$25000.00} deposit at risk. I contacted the dental office again and was told the account was canceled and that they refunded the amount to Cherry. This appears to be furnishing of false and misleading information in violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX standards, as I never received services or owed any debt. The credit bureausXXXX XXXX XXXX XXXXXXXX to report this account despite it being legally and factually invalid.

I view this situation as negligent and harmful. Cherry Technologies and the credit bureaus are collectively reporting data that is not only inaccurate but also a result of a canceled transaction, which borders on deceptive and unfair practices under the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MS

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-05-06 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am reporting Capital One for failing to properly investigate and respond to my identity theft claim. I received a letter dated XX/XX/year>, stating that no fraud was found on an account I had flagged as unauthorized. However, I have already completed and submitted a valid FTC Identity Theft Affidavit and was told over the phone that someone from Capital One would contact me with an email or secure method to submit my documents. That never happened. 

Despite multiple attempts to follow up, I have received no communication from Capital One and have now received the same denial letter twice. This is unacceptable and is preventing me from resolving fraudulent activity that is affecting my credit. I am requesting immediate attention to this matter, acknowledgment of my submitted identity theft documentation, and full removal of the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
I already submitted a CFPB complaint on this company before and they said they would fix the issue of me showing a past due amount even though thats nearly impossible considering I have been either in forbearance or on $XX/XX/XXXXmonthly payments since XXXX. The past due amount is still there and these people are still impossible to get ahold of. I want the past due amount removed since there is in fact {$0.00} past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, I used XXXX XXXX  ( Serviced by Wells Fargo ) card to pay my Apartment rent, the amount is {$2200.00}. However the XXXX card was automatically paid duplicate rent payment on XXXX XXXX via my chase account ( Because I connected the XXXX checking account to this XXXX  credit card ). I contacted with XXXX representative service and they said they can not accept the returned payment back to original card and the refund will be bounced back to the landlord. My landlord returned the payment to original card in the first time on XXXX XXXX but they never get the refund bounced back to my apartment account. I contacted with XXXX representative and they provided the tracking number to my apartment landlord and the apartment XXXX confirmed that the payment was not bounced back to their account again. The XXXX representative can not provide further help and they asked my to contact with Wells Fargo. I also contacted with Wells Fargo representative and started to dispute the payment. They said they will give me feedback 3-5 days but now it is outdated. It has been one month but I still did not get any refund, I hope this question can be resolved soon.

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 2025-05-06 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: IL

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 

On XX/XX/XXXX, I disputed the following fraudulent accounts and provided TransUnion with all required documents, including a valid identity theft affidavit, government-issued identification, proof of address, and evidence linking me to a data breach. The disputed accounts include : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Account # : XXXX Balance : {$620.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$9900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Despite my timely and complete submission, TransUnion failed to block these fraudulent accounts within the four business days mandated by 605B. Additionally, TransUnion improperly verified these accounts without disclosing the sources or providing any supporting evidence, in violation of 611 's requirement for a reasonable reinvestigation and transparency. 

These actions directly contravene legal precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm a consumer 's right to accurate credit reporting and proper handling of disputes. Furthermore, TransUnion 's conduct demonstrates non-compliance with the CFPBs 2012 bulletin emphasizing the responsibilities of consumer reporting agencies.

This pattern of inaction and statutory non-compliance is a serious violation of my rights under the FCRA, and I request immediate corrective action.

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 2025-05-06 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: NV

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled. 

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified. 
2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ). 
3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX 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 2025-05-06 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:
This is my several endeavors to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX * * Balance {$4000.00} XXXX XXXX XXXX XXXX * * * * Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX * * * * Balance {$0.00} XXXX  XXXX * * * * Balance {$6000.00} XXXX XXXX XXXX XXXX * * * * Balance {$0.00} XXXX XXXX  XXXX * * * * Balance {$4000.00} XXXX XXXX XXXX  XXXX * * * * Balance {$0.00} XXXX XXXX XXXX XXXX * * * * Balance {$2200.00} XXXX  XXXX * * * * Balance {$6000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * Balance : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was adding money into a bitcion crypto account on cashapp and the money I was adding basically was stolen I contacted cashapp it was also times I was over drafted about things I didnt bought and the money was snatched but back to the bitcoin situation it was a scam and I contacted cashapp and I gotten no answer! the response was ai stimulated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 am a victim of identity theft. I did not authorize or initiate the accounts or transactions in question, and I am requesting that all fraudulent activity be investigated and resolved 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 explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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