vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred:1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 
5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred:1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 
XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 
5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NV

Complaint narrative:
On Experian, XXXX, and XXXX it shows 2 times with 7 late payments XXXX XXXX XXXX Closed XX/XX/year> {$44000.00} I have contacted them but nothing was done about it.

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 2025-02-23 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: NV

Complaint narrative:
On XXXX, XXXX, and Equifax it shows 2 times with 7 late payments XXXX XXXX XXXX Closed XX/XX/year> {$44000.00} I have contacted them but nothing was done about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NV

Complaint narrative:
On XXXX, TransUnion, and XXXX it shows 2 times with 7 late payments XXXX XXXX XXXX Closed XX/XX/2015 {$44000.00} I have contacted them but nothing was done about it.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
after numerous rounds of me dispute the accuracy of the following accounts being reported on my credit report : XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX, you have refused to properly investigate and correct the inaccuracies on these therefore violating numerous of my right. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and credit bureaus are prohibited from repeatedly reporting a charge-off as an ongoing delinquency each month. A charge-off is a one-time event, and continuously reporting it as a new derogatory mark violates my rights by unfairly damaging my credit score. This practice constitutes inaccurate and misleading reporting, which is prohibited under FCRA 1681s-2 ( a ) ( 1 ) ( B ), requiring data furnishers to report accurate information. I am requesting an immediate correction and removal of the repeated charge-offs from my credit report to ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received letters in the mail about application denial about 5 of them for Wells Fargo I never applied for any cards

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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Between XXXX XXXX and XX/XX/year>, I fell victim to a multi-layered scam operation run by eternity-trade.life which involved me making deposits for a total amount of XXXX XXXX  from my XXXX  account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether XXXX  did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of XXXX  custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether XXXX  promoted the transaction ( XXXX ) in question despite being aware of the nature of the transaction ( XXXX ) in question ( iv ) whether XXXX  was in compliance with its own policies and procedures ; ( v ) whether XXXX  owed duties to myself, what the scope of those duties was, and whether XXXX  did not uphold those duties ; ( vi ) whether XXXX  conduct was unfair ; and ( XXXX ) whether XXXX  has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, XXXX  must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. Such reputable crypto company as XXXX  must have known or reasonably ought to have known that I was dealing with a scammer and warn me of a danger somehow, as their client. None of such action was done. 

Therefore, I request a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information appearing on my credit report regarding the XXXX XXXX account. The errors in question are negatively affecting my credit standing, and I request an immediate investigation and correction. 

Late Payment Reporting : My credit report from XXXX and Experian indicates a XXXX late payment in XX/XX/XXXX, which is inaccurate. I have made timely payments, and this mark should be corrected. 

Dispute Status Inconsistencies : My reports suggest the dispute was resolved and reported by the grantor, but I was not properly notified or provided evidence of the resolution. 

Account Information Discrepancies : The reported balances, payment status, and account details are inconsistent between credit bureaus and require clarification. 

XXXX Account # : XXXX High Balance : {$300.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX Experian Account # : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX  XXXX and the credit reporting agencies provide documented verification of this late payment. If they can not substantiate it, I request its immediate removal from my report to reflect a positive payment history. 

A copy of my credit reports ( highlighting errors ) is attached.

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 2025-02-23 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 
5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 
5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OR

Complaint narrative:
I got my wallet stolen and my chase bank debit card along with my wallet. I didn't notice my wallet was stolen for around XXXX hours. As soon as I did notice I called to report the card and lock it. There were XXXX transactions totaling XXXX. These transactions were not authorized by me. The charges were made on the XXXX of XX/XX/year>. I don't know the time the transactions were made only the amount, which is XXXX, XXXX, XXXX, XXXX and a XXXX. XXXX did retrieve the amount of XXXX. Then denied my other XXXX transactions made on the same day. I provided proof of me being at work on XX/XX/XXXX when these transactions were made to my account. XXXX simply said that since my debit card was used with my pin number and there were no invalid pin attempts. My claim is denied and there is no further action I can take with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX , a resident of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX 2.- Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : c. A copy of my drivers license or government-issued ID. 
d. A copy of a recent utility bill or bank statement confirming my current address. 
e. A copy of my Social Security Number.

4.- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief