vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
Crypto.com My account was hacked even with 2 factor authentication and me having set my account to 24 hour delay on Crypto transfers. I notified them immediately that my account was hacked when they sent me a notice that my passcode was changed and I did not make the change. Customer service assured me my account would be secured and my crypto was safe because I had the 24 hour delay set. After 3 days of waiting and then asking for dozens of different questions to be answered, they email me and say they are not returning my Crypto and they do not see anything in my account being changed. They are the ones who sent me an email informing me that someone had just changed my information. They also saw and removed two unsecured devices in my account that did not belong in there and they are the ones who actually flagged the devices as not belonging in there. They are complete scam they do not secure your account and they do not honor their own 24-hour delay in transferring out your crypto even when you have it set. They are the most unsecure platform I have ever come across and their customer service is the worst imaginable. 

Avoid this company at all costs because they will not protect you and they'll take no responsibility or liability for letting people into your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I refinanced my vehicle thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the total amount is {$58000.00}, I sent two checks on XX/XX/2025. The other amount is {$310.00} to sum up the total payoff amount. I mailed the check per instructions according to XXXX, Ally Financial received the first check on XX/XX/XXXX and other check on XX/XX/XXXX. I called Ally Financial and according to them they havent received the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Complaint to the CFPB Failure to Validate Debt and Notify Credit Bureaus To Whom It May Concern, I am submitting this complaint regarding a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by a debt collector. 

On XX/XX/year>, I sent a formal debt validation request to the debt collector in response to a collection notice related to an alleged debt. In my request, I clearly provided : My full legal name Current address The reference account number The name of the original creditor A request for verification of the debt, and A request for a copy of the surety bond registered with the Secretary of State in compliance with applicable laws. 

On XX/XX/year>, I received a response from the collector stating they needed additional information, despite my original letter already containing the necessary details. As of today, I have not received a proper validation of the debt, nor have I been provided the bond documentation as required. 

Additionally, this debt is still being reported on my credit reports with all three major credit bureaus. The collector has failed to notify the bureaus that this debt is currently in dispute, which is a violation of 15 U.S.C. 1692e ( 8 ) under the FDCPA, and also fails to meet FCRA compliance regarding the accuracy of credit reporting. 

I am requesting that the CFPB : Investigate this collector for failure to validate the debt Ensure they cease collection activity until validation is provided Ensure the collector notifies the credit bureaus of the dispute as required Take any appropriate enforcement action for violations of the FDCPA and FCRA Please let me know if further documentation is needed. I am attaching copies of my original request and the collector 's response dated XX/XX/year>.

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 2025-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Date ] To : [ XXXX XXXX XXXX XXXX TransUnion submit separately to each ] [ Address of the Credit Bureau ] Subject : Request for Deletion of Inaccurate Account Reporting XXXX XXXX Dear, TransUnion I am writing to dispute the reporting of an account appearing on my credit report under the name XXXX XXXX. The account is listed as an educational installment loan with the following details : TransUnion Account # : XXXX ( TransUnion ), XX/XX/XXXX Balance : {$0.00} Status : Closed/Paid Last Active : XX/XX/XXXX ( TU ), This account has been fully paid and closed, yet it continues to appear on my credit report. It exceeds the typical reporting period and holds no current balance or delinquency. Continued reporting may be unnecessarily affecting my credit profile and violates provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681c ( a ) ( 4 ) Obsolete accounts beyond the XXXX limit 15 U.S. Code 1681i Right to dispute incomplete or inaccurate information 15 U.S. Code 1681s-2 Responsibility of furnishers to report accurately

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 2025-05-08 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 certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( XXXX  ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Account Status, Date Opened, High Credit, Credit Limit, Payment Status, Last Report, Date Last Active, Date of Last Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Account Status, Date Opened, High Credit, Credit Limit, Payment Status, Last Report, Date Last Active, Date of Last Payment

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
in XXXX i became aware of the class action capital one had going on i called them they gave me a number to call the lawyers who is handling the law suit. i was asked for a claim number though they had my name as a victim on the case. capital one also offered credit protection an hardship i never received it after several attempts my account with them was closed not in good standing per them. they never reached out to me about this situation i say this on the internet.thank you for your att to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a single purchase ( hotel reservation ) on a Capital One Venture card. My card was immediately flagged, I got an email with a link to view the activity, but all online access was revoked, and I received a message to call them. After a half hour on the phone, multiple photo ID challenges ( address, ssn, phone #, city, state, zip, ssn again, etc ) i was directed to a link to take pictures of my ID and selfies. This process apparently failed, and I was told I had to send photos of my ID and wait a week for validation. This is insanely excessive. I've been a Capital one customer for well over a decade without issue. I now can't even access my other accounts to make payments or even view my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I am a XXXX XXXXXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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 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 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 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 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 2025-05-08 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:
In my Experian credit report dated XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as " charged off '' with an active balance of {$7100.00}, and was recently updated. This is legally contradictory. A charged-off account should not reflect new balance activity unless it has been validated, restructured, or reactivated, which has not occurred. 

I sent two formal debt validation requests directly to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( via certified mail ), requesting the original signed contract, full payment ledger, 1099-C ( if applicable ), and proof of legal right to report and update the account. No response was received. 

Despite this, Experian marked my dispute ( XXXX XXXX XXXX XXXX ) as Verified and Updated, but failed to explain the basis or provide documentation from the furnisher. This violates the following laws : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing data known to be inaccurate CFPA 1031 ( 12 U.S.C. 5531 ) : Engaging in deceptive and abusive practices TILA 1637 ( b ) : Failure to provide required billing and validation statements I request that the CFPB investigate this improper handling of my dispute and require both Experian and XXXX XXXX XXXX XXXX to fully validate or delete this account. I am attaching supporting evidence upon request.

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 2025-05-08 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: SC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I am writing to file a complaint against American Express regarding the closure of my Cards accounts and forfeiture of my Membership Rewards points. 

On XXXX XXXX, Amex canceled 3 of my credit cards, and on XX/XX/XXXX my last credit card was cancelled without prior written warning or an opportunity to redeem or transfer my accumulated Membership Rewards points. I attempted to contact Amex to request a transfer of points to an airline/hotel partner or to reinstate an account to allow redemption, but was informed that the points are permanently lost. 

These points were earned over time through legitimate spending and were part of the expected benefits of using Amex products. I believe it is unfair and potentially deceptive to remove access to earned rewards with no recourse, particularly when no clear warning or redemption period was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00XXXX 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00XXXX 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 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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unvalidated Debt Reported by Hunter Warfield , Inc . 

Dear Consumer Financial Protection Bureau, I am writing to formally dispute two derogatory collection accounts that have recently appeared on my TransUnion credit report, both reported by Hunter Warfield , Inc . These accounts were opened on XX/XX/XXXX, in the amounts of {$370.00} and {$3300.00}, respectively. I was never notified of these debts prior to their reporting, nor have I received any form of validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

These accounts appeared without warning and have caused a significant drop in my credit scorespecifically, a XXXX decreasewhich is materially harmful to my creditworthiness. 

To date : I have received no written communication from Hunter Warfield, Inc. regarding these alleged debts. 

No itemization, original creditor information, or proof of responsibility has been provided. 

The timing and duplication of these accounts ( both opened the same day with different amounts ) raise concerns regarding their legitimacy and reporting accuracy. 


I respectfully request the following : 1. An immediate investigation into these accounts by the CFPB.

2. That Hunter Warfield , Inc. provide full validation of both debts, including the name of the original creditor, the full itemized amount, and the chain of assignment.

3. If validation can not be provided, I request that both collection accounts be deleted from my credit report in accordance with the FCRA and FDCPA. 



I have attached a screenshot of the derogatory marks reported on my TransUnion report for your reference. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation