vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at under the XXXX XXXX on XX/XX/year> under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
On XX/XX/year>, I purchased {$400.00} worth of the digital currency XXXX on the XXXX  XXXX XXXX. 

There was no problems making the purchase what so ever, i had been using the exchange months prior with no problems. There was no issues with my identity at all. After trying to transfer my digital currency i paid for the XXXX  XXXX XXXX triggered a Security Hold on my account preventing me from doing anything with the digital currency. 
Its been over 30 days and i have reached out so many times over email, ive even took it to there reddit page. They request personal information from me to use MY digital currency and once they get the documents they ignore my emails for days on end despite being active and working during buisness hours. 
Theres so many people in the XXXX  XXXX XXXX who relate and explain they have the same problem and XXXX  is scamming and mentally destroying people. At least for me i have suffered so much from this. I have been in a rat race begging and pleading to use digital currency i paid for. 
I feel robbed and scammed and this is my last resort because no other terms of resolution have came from the company. Many suspect this is all a scheme to keep users on the platform. This needs to be seen and looked at. Its not right at all and more people need to talk about it. 

Im hoping i can get the help ive been hoping and praying for this has been such a exhausting process and nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
My information was exposed in a data breach. Don't turn my dispute into a 3 day dispute. I request under section 605B that it ALL be REMOVED of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, as they appear to be the result of a data breach, fraud, or unauthorized activity. I am requesting verifiable proof, including my signature or electronic signature, to support these claims. This letter is being submitted directly by me, not through a third party, so I kindly ask that you review it thoroughly. 

These actions were not authorized by me and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information resulting from identity theft or fraud, and FCRA Section 604 [ 15 U.S.C. 1681b ], which regulates the permissible purposes for accessing consumer reports. 

I have already reached out to the companies involved and confirmed that these actions were taken without proper validation or the necessary proof. As such, these accounts and inquiries are inaccurate and result from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.

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 2025-01-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute an inaccuracy I found on my credit report related to the account listed under RC/Resurgent Receivables ( Account Number : XXXX ). 

The credit report states that this account is marked as a " Collection account '' with a balance of {$430.00}, and it indicates consistent missed payments marked as C ( Collection ) for the entire period shown in the payment history. However, this account is inaccurate for the following reason : The balance of {$430.00} has remained unchanged since the account opened in XX/XX/XXXX, which suggests no updates or validation have been made by the creditor. This could indicate incorrect reporting or outdated information. 
Additionally, there are no payment or resolution updates in the account history, and the original creditor has not validated the debt. 

I request that you investigate this matter promptly. If the creditor can not verify the accuracy of this account or provide documentation proving the validity of this debt, I request that the account be removed from my credit report immediately. 

I appreciate your attention to this matter and look forward to your timely resolution. 

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
on XX/XX/year> I tried to transfer the XXXX  I bought from XXXX XXXX to my cold storage wallet. I currently have {$11000.00} in that exchange. The only way to contact customer support is through email. They have no chat or phone line. 

I submitted my drivers license and a picture of me holding my drivers license with a code written big on another sheet of paper. Apparently that wasn't good enough and they told me they would get back to me. I bought these XXXX  to hold on for long term and they told me I could sell them but not take them off the exchange. That's very sketchy and give me reason to believe they are doing something with my XXXX. If the exchange goes down, I have no recourse and will lose all of my XXXX  which has happened to exchanges before. XXXX  has been around for over 9 years. 

I've emailed them several other times. They got back to me one time as I threatened legal action and they told me they have a lot of volume to handle. I emailed them again after that I now they are completely ignoring me and just disregarding my support ticket. They are using security as an excuse to keep my XXXX  on their exchange and it appears they don't want people moving it off their exchange based on all the complaints I've seen XXXX and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Using XXXX did not receive disclosure for sending Monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
This letter constitutes a formal dispute of inaccurate information appearing on my credit report. It is required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681i ( a ). This section of the FCRA grants consumers the right to dispute any information in their credit report that they believe to be inaccurate, incomplete, or unverifiable. 

The disputed information is as follows : XXXX  XXXX XXXX [ Account # : XXXX / Charge Off ] XXXX  XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] Violation of 15 U.S.C. 1681c ( a ) ( 1 ) : The FCRA, specifically 15 U.S.C. 1681c ( a ) ( 1 ), generally limits the reporting period for most negative trade lines, such as late payments, to seven years from the date of first delinquency. The continued reporting of late payments on this closed account may exceed this statutory limitation.

Potential Violation of 15 U.S.C. 1681b : The continued reporting of this closed account with late payments may constitute a violation of 15 U.S.C. 1681b, which requires that consumer reports be fair, accurate, and impartial.

Violation of 15 U.S.C. 1681i ( a ) : Despite filing multiple disputes with XXXX regarding this account, I have not received a thorough and impartial investigation as required by 15 U.S.C. 1681i ( a ). XXXX has repeatedly verified the account as accurate without providing any supporting documentation or evidence of a legitimate investigation. 

Violation of 15 U.S.C. 1681i ( b ) : This failure to conduct a proper reinvestigation, even after repeated disputes, may violate 15 U.S.C. 1681i ( b ), which requires CRAs to reinvestigate disputed information.

Violation of 15 U.S.C. 1681i ( c ) : XXXX has failed to provide me with the results of their investigation and any supporting documentation related to this account, as required by 15 U.S.C. 1681i ( c ). This lack of transparency hinders my ability to understand and dispute the accuracy of the information being reported.

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 2025-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter constitutes a formal dispute of inaccurate information appearing on my credit report. It is required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681i ( a ). This section of the FCRA grants consumers the right to dispute any information in their credit report that they believe to be inaccurate, incomplete, or unverifiable. 

The disputed information is as follows : XXXX  XXXX XXXX [ Account # : XXXX / Charge Off ] XXXX  XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] Violation of 15 U.S.C. 1681c ( a ) ( 1 ) : The FCRA, specifically 15 U.S.C. 1681c ( a ) ( 1 ), generally limits the reporting period for most negative trade lines, such as late payments, to seven years from the date of first delinquency. The continued reporting of late payments on this closed account may exceed this statutory limitation.

Potential Violation of 15 U.S.C. 1681b : The continued reporting of this closed account with late payments may constitute a violation of 15 U.S.C. 1681b, which requires that consumer reports be fair, accurate, and impartial.

Violation of 15 U.S.C. 1681i ( a ) : Despite filing multiple disputes with XXXX regarding this account, I have not received a thorough and impartial investigation as required by 15 U.S.C. 1681i ( a ). XXXX has repeatedly verified the account as accurate without providing any supporting documentation or evidence of a legitimate investigation. 

Violation of 15 U.S.C. 1681i ( b ) : This failure to conduct a proper reinvestigation, even after repeated disputes, may violate 15 U.S.C. 1681i ( b ), which requires CRAs to reinvestigate disputed information.

Violation of 15 U.S.C. 1681i ( c ) : XXXX has failed to provide me with the results of their investigation and any supporting documentation related to this account, as required by 15 U.S.C. 1681i ( c ). This lack of transparency hinders my ability to understand and dispute the accuracy of the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 2025-01-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Here are a list of the accounts : 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 2025-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report, as referenced below, as they appear to result from a data breach, fraud, or unauthorized activity. I am requesting verifiable proof, including documentation bearing my signature or electronic signature, to validate these claims. This letter is being submitted directly by me and not through a third party, so I respectfully ask that you review it carefully. 

These actions were not authorized by me and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 605B [ 15 U.S.C. 1681c-2 ] requires the blocking of information resulting from identity theft or fraud, and FCRA Section 604 [ 15 U.S.C. 1681b ] governs the permissible purposes for accessing consumer reports. 

I have already contacted the companies involved and confirmed that these actions were carried out without proper validation or the necessary supporting documentation. Therefore, these accounts and inquiries are inaccurate and appear to stem from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not authorize or create these accounts and have no knowledge of their origins. As outlined in USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the relevant documents for your review.

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 2025-01-22 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: IL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not authorize or create these accounts and have no knowledge of their origins. As outlined in USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the relevant documents for your review.

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 2025-01-22 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:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within 15 days. The supporting documents are enclosed for your review and 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 1 believe these practices are unfair and request an investigation into my account transactions.

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