vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
I unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education DOE and the Department of Governmental Entities DOGE. this data breech has accessed student loan information, and personal information such as tax records, and financial aid data. According to the FCRA I didn't give them permissible purposes to report to my consumer reports. I ask Transunion, Equifax, and Experian to fully investigate this account " XXXX '' and remove this account which is affecting my credit worthiness. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: FL

Complaint narrative:
This letter serves as a formal demand and dispute regarding the above-referenced account, which you have reported to the credit bureaus as charged off. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any information furnished to a consumer reporting agency must be accurate and complete.

A charged-off account that has been written off as a bad debt and used as a tax deduction by your company should not continue to be reported as an active delinquent balance. If the debt was charged off and written down for tax purposes, then reporting it as an outstanding or collectible debt is factually inaccurate and misleading and may constitute false and deceptive credit reporting.

Accordingly, I demand the following : A copy of the IRS 1099-C or tax documentation that confirms the debt was written off for your tax purposes.

Immediate correction or removal of any derogatory tradeline associated with this account that inaccurately portrays it as active or past due.

Written confirmation that you have ceased collection efforts and that no balance is legally owed, if applicable.

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and a civil lawsuit for willful and negligent violation of the FCRA, including potential claims under 15 U.S.C. 1681n and 1681o.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Account with crypto.com payments that was illegally withdrawn years ago and the company did not state they have been profiting on the profits. Account is now staking since XXXX to date with XXXX XXXX and shows manager by company name Foris Inc linked to XXXX prepaid card from crypto.com so far total that is blocked by use of a owner address masked and using to trade personal assets the message led me to yall website and noticed the critical issue XXXX XXXX Staked - XXXX XXXX XXXX XXXX Issuer name XXXX XXXX XXXX Prepaid product type No information provided Program manager Foris, Inc. 
Current status Withdrawn Other relevant parties No information provided Download most recent agreement files Agreement effective date : XXXX XXXX Download older agreements Agreement effective date : XXXX XXXX Current locked abused funds {>= $1,000,000} and Believe the developer is XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all XXXX XXXX are liquid cash reserve. and selling my assets as public

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
XXXX didn't provide proper notice that the loans were 90+ days late. It immediately was placed on the credit file as 90 days late. Not 30 days and/or 60 days late first. No documentation to support the delinquency report on the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX didn't provide proper notice that the loans were 90+ days late. It immediately was placed on the credit file as 90 days late. Not 30 days and/or 60 days late first. No documentation to support the delinquency report on the credit.

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 2025-05-04 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:
I DID NOT AUTHORIZE THESE INQUIRIE. XXXX XXXX XXXX XXXX, EQUIFAX MORTGAGE SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Lender Phh I was in forberance for 12 moths last forberance was XX/XX/year>. I submitted my application but financial was different with not income for my wife, she received a call to start work for XXXX postal service and now she bring income. I called phh representative and notified her for income changes she recommended me to submit application for loss mitigation with new income changes because will be help to qualified for different covid XXXX programs. I sent new application after that day but they keep said that they not received. In XXXX XXXX I sent and I received email on XXXX XXXX that they received and they are going to work on these if I need anything I will be notified, I did not heard anything and I decided to called them XX/XX/XXXX the representative said to sent income proof and I did I sent XX/XX/XXXX XXXX I decided to called them back My XXXX to make sure and they said supposedly sent a letter XX/XX/XXXX said that I can't apply for any loss mitigation and even they not want discuss reason, or verbally financial situation for repayment plan I explained to representative and supplostly they are going to escalate but I'm scare because they said that I can't apply for mitigation or verbally interview and my only option will be reinstate paying full or foreclosure. I don't want to lose my home I have income now to pay at least repayments plans or Fha resources or covid 19 loss mitigation programs I csn proof I have income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
The company is trying to collect a debt of {$570.00} that I don't owes to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIE. XXXX XXXX XXXX XXXX, EQUIFAX MORTGAGE SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
I DID NOT AUTHORIZE THESE INQUIRIE. XXXX XXXX XXXX XXXX, EQUIFAX MORTGAGE SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT  YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
I noticed a {$10000.00} rent-related collection account listed on my XXXX  credit report, which I believe is inaccurate and possibly unverifiable. The account is being reported by national credit system and appears to relate to a rental property I previously resided at. 

I requested validation of this debt from the collection agency in XX/XX/year> asking for a copy of the lease agreement, itemized charges, and proof they are legally authorized to collect in my state. To date, they have not provided the required documentation under the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, the information being reported appears to be inaccurate. The balance amount does not match what was owed, and the account details, including the date of delinquency and account status, contain errors. 

I contacted XXXX  to dispute this account and requested its removal due to failure to validate and reporting inaccuracies, but the item remains. This situation is negatively impacting my credit score and my ability to obtain housing and credit. 

I am requesting that this account be investigated thoroughly and removed from my credit file if proper documentation can not be provided by the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
About 3 months ago I got a call from a XXXX XXXX said he works for security for XXXX  XXXX he told me my account was about to get compromised I told him it sounds like a scam he said it wasnt a scam. He then said I should transfer my funds which is thousands,, over to XXXX XXXX I told him no, but im going to withdraw all my funds back to my bank account he told me he would rather i didnt do that but I smelled something fishy here so i told him thats what im doing, the next day my account was frozen and to today its still frozen ive sent over 40 messages to support with no reply on most when they did reply it was to help me with the unfreezing process then when they schedule then they just disappeared I would send emails and no reply. XXXX XXXX head of security e mailed me about the problem and said the higher ups approved XXXX to add to my account which they didn '' t do and my account is still frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
________________________________________ Subject : Dispute of Reinserted Items Without Proper Notice Under FCRA To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of several accounts into my credit report. These items were previously removed following a successful dispute but have since been re-added without the required written notice, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Per the FCRA, if any information is reinserted into a consumers file after removal due to a dispute, the consumer must be notified in writing within five business days of the reinsertion. I did not receive such notice, and as such, I believe these items were reinserted improperly. 
Attached is a list of the accounts in question. I respectfully request that you investigate this matter and provide documentation confirming that proper notice was sent. If you can not verify this in accordance with FCRA requirements, I request the immediate removal of these items from my credit file. 
Items to Be Reviewed and Removed : 1. XXXXXXXX XXXX o Status : Closed, {$460.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} 2. XXXX XXXX o Status : Open o Date Opened : XX/XX/XXXX o Balance : {$10000.00} 3. XXXX XXXX XXXX o Status : Closed, {$3000.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} 4. XXXX XXXX o Status : Paid, Closed o Date Opened : XX/XX/XXXX 5. XXXX XXXX o Status : Paid, Closed o Date Opened : XX/XX/XXXX 6. XXXX XXXX o Status : Charged Off, {$3800.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} Please provide a written response confirming receipt of this dispute and the outcome of your investigation, as required under FCRA guidelines. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
________________________________________ Subject : Dispute of Reinserted Items Without Proper Notice Under FCRA To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of several accounts into my credit report. These items were previously removed following a successful dispute but have since been re-added without the required written notice, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Per the FCRA, if any information is reinserted into a consumers file after removal due to a dispute, the consumer must be notified in writing within five business days of the reinsertion. I did not receive such notice, and as such, I believe these items were reinserted improperly. 
Attached is a list of the accounts in question. I respectfully request that you investigate this matter and provide documentation confirming that proper notice was sent. If you can not verify this in accordance with FCRA requirements, I request the immediate removal of these items from my credit file. 
Items to Be Reviewed and Removed : 1. XXXXXXXX XXXX o Status : Closed, {$460.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} 2. XXXX XXXX o Status : Open o Date Opened : XX/XX/XXXX o Balance : {$10000.00} 3. XXXX XXXX XXXX o Status : Closed, {$3000.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} 4. XXXX XXXX o Status : Paid, Closed o Date Opened : XX/XX/XXXX 5. XXXX XXXX o Status : Paid, Closed o Date Opened : XX/XX/XXXX 6. XXXX XXXX o Status : Charged Off, {$3800.00} written off o Date Opened : XX/XX/XXXX o Balance : {$0.00} Please provide a written response confirming receipt of this dispute and the outcome of your investigation, as required under FCRA guidelines. 
Thank you for your prompt attention to this matter.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex does not protect customer, they just validate transactions, and most schemes are a bit more complex than validity of transaction, for example when they sell you cat for rabbit. 
The issue or issues is the inaccuracy of of charges, and possible duplicates. These are the facts : I made a reservation for a car via XXXX to confirmation number XXXX for a car at XXXX via XXXX. The reservation is for XXXX XX/XX/XXXX, to XXXX XXXX XXXX  Notice the car was returned Tuesday night. The total was XXXX. They refused to honor the reservation. 
They offered an alternate tariff, that had some mandatory insurance which made the total XXXX. 
When I check my American express I had not XXXX but XXXX charges, very different than what was agreed : Snip of contract total : Then I got not one but two questionable charges on XX/XX/XXXX. Notice that the date is XX/XX/XXXX XXXX XXXX I dont know how to explain this. Apparently both have extra fees, things like cleaning/gass.. Mileage is not a problem, as I did not drive a lot. 
But only if you add an extra day you get to XXXX as gas is not like XXXX a gallon, and adding extradays would make up XXXX ( the car was returned the day before ). 
It is a bit more than a duplicate. 
And amex does not investigate anything, or waste time even understanding. I wasted my time explaining multiple times this problem, and you just keep charging my card despite claiming that you protect the customer, and this is not genuine, I should not be responsible for moneys I do not owe. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the collection account debt not owed by me and no authority to collect debt against me reported by XXXX XXXX XXXX, serviced by XXXX XXXX XXXX, on my Experian credit report ( Report # XXXX ), which lists an alleged debt of {$1000.00} tied to XXXX Bank XXXX XXXX XXXX is not reporting any tradeline or open account to support this balance. XXXX XXXX has not provided proof of legal assignment from XXXXXXXX XXXX or any original contract bearing my full identifying information. The account remains unvalidated, and no IRS Form 1099-C has been filed. This continued reporting violates FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and FDCPA 809 ( b ). As there is no documentation confirming the legal authority to collect or report this debt, I request the permanent deletion of this account from my Experian file.

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 2025-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
I am being sued by credit bureau of Iowa for a medical debt in the amount of XXXX dollars. 

This company is in violation due to the fact they reported the medical debt to my XXXX credit file. Please investigate this company and report finding so I can share it with the attorneys on XX/XX/year> XXXX

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