vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I am writing to address concerns about Equifax 's improper handling of a disputed account on my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX  account was previously deleted on XX/XX/XXXX, but was reinserted on XX/XX/XXXX, without the legally required notification or evidence. This action violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates notification within five days of reinserted information. 

Despite other credit bureaus, including XXXX and XXXX, having removed this account, Equifax continues to report it without providing sufficient verification. I have not been provided with any proof or documentation to validate the debt, nor a description of the investigation methods used. This raises concerns about whether Equifax conducted a reasonable and thorough investigation as required under FCRA Section 623.

To address this issue, I have filed a formal complaint with the Federal Trade Commission ( FTC ), citing the failure to adhere to FCRA guidelines and the reinsertion of disputed information without proper verification or notification. 

I request the immediate removal of this account from my credit report and a detailed explanation of the procedures and records used in your investigation. Without adequate verification, the account must be permanently deleted and blocked from being re-reported. 

Attached are the following documents for your review : Proof of the previous deletion by Equifax and the subsequent reinsertion. 
Proof of deletion from XXXX and XXXX. 
Proof of previous CFPB complaint resulting in the removal of the account from my credit A copy of my FTC complaint regarding this account. 
Proof of address, my Social Security card, my ID, and previous correspondence with Equifax regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened an account with Gemini XXXX ( XXXX currency website ) So on XX/XX/XXXX My account has been frozen. 

This is the message that they sent me on XX/XX/XXXX. 
" Your Gemini account has been frozen due to a failed {$2100.00} bank deposit from XXXX XXXX  - XXXX, and you are urged to contact customer support promptly ''. 

I have contacted customer support and submitted multiple tickets ID since XX/XX/XXXX to reopen my account without any solution. Please see below some of the XXXX tickets that I have submitted : XXXX XXXX XXXX XXXX on XX/XX/XXXX they sent me an email requesting for me to send a current photo holding an ID on my hands and a ticket #. 

Since then I haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-14 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: CA

Complaint narrative:
I applied for a Wells Fargo Business Credit card on XX/XX/XXXX. I was told I couldn't apply over the internet or via phone since I don't have an account with them although I currently have a XXXX XXXX XXXX  with them. After I applied in person at the bank, I was told I needed to provide personal and business tax returns although my XXXX  score is XXXX with no late payments, less than 1 % credit utilization, 2 hard inquiries in the last two years, and over 4 years of credit history. My business has also been open since XXXX with a paid off business auto loan and healthy business credit. 

Typically banks don't ask for personal and business taxes for credit card products if they consumer that's personal guaranteeing the loan has perfect credit. I was told I was pre-approved but they still needed my tax returns so I submitted my taxes. When I called their customer service I was told I was declined because I had to much debt. This is a direct breach of the Fair Credit Reporting Act as I have {$0.00} in consumer debt. I will attach my XXXX credit report which shows I have {$0.00} in consumer debt so their reason is a form of going against the FCRA.

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 2025-01-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 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: CO

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

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 2025-01-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-14 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: IL

Complaint narrative:
Please see supporting documentation pertaining to Equifax DATA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
My Citi credit card shows delinquencies which has severely hurt my credit score. I called and paid the balance and they said they would submit a dispute claim so that it would not hurt my credit but I never heard anything back and they just closed my card instead. I had that credit card for over 10 years.

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 2025-01-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-01-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was scammed out of {$5000.00} plus and have disputed this matter with chase and they refuse to take into consideration the evidence that I sent in to confirm that the purchase from XXXX XXXX  was a scam along with evidence showing it was a scam on my XXXXXXXX XXXX XXXX XXXX. Chase is not helping me with this matter in fact they are refusing to reinvestigate and I should not be on the hook for a XXXX XXXX  purchase that I got nothing for which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive submitted several request to XXXX, XXXX  and exsperian to delete information that is hindering my fico score and credit score from rising soon as I submit a dispute i immediately get auto response that they investigated and everything is accurate. All three places have continued to repost old debts that are inaccurate they are using these tactics to keep XXXX  like myself in bad credit and debt I have been fighting since the early 2000 's to rebuild my 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 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am writing to formally dispute the debt listed on my credit report. After reviewing my records, I have found no evidence that I owe this debt to your agency. Therefore, I do not acknowledge this debt as valid, and I believe it has been reported in error. Additionally, my privacy may have been compromised.

I kindly request that you provide proof of this debt, including any original agreements or supporting documentation, showing that I am legally obligated to pay it. If you are unable to provide this proof, I ask that you remove the entry from my credit report and cease any further collection efforts. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Starting XX/XX/year> I had a text message that was posing as medi-cal and I ended up giving them my information as I had been fooled but I told them that I usually always got my plan free without payment so why would they need my card. The fraud ended up charging my card for a fake medical plan that I did not know of and did not authorize. While I initially accepted the payment on my app as I did not understand that it was not a alert of putting my card on a plan but a whole fake payment as I was deceived by the fraud that used my information to sign up for some random fake plan under my name without me knowing. I ended up calling bank of america right after to cancel my card as I feared the fraud would use my information and they told me I would be able to get my money once the amount was posted and I should call in a couple days. After a couple days the transaction disappeared from my statements but I called again just to make sure and ask if they could block out this company as they were using my information without my permission and all I was told was that the issue was gone and my money was in my bank. Now on XX/XX/year> I check my bank app only to find out the money has been charged to my bank so I call the bank in a panic as I had been previously reminded that it was fine to ask for a chargeback or a reimbursement as this transaction was not what I wanted but they told me over and over that they cant even though I kept telling them that this was not what I wanted and now they ended up filing a fraud claim for me but I am afraid they will deny me as they were in denial of trying to help me beforehand. Now I feel like there is nothing I can do as they wont try to help me so my last resort is to file a complaint in hopes of having them accept my claim as this was not what I authorized.

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 monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Over the past year I have noticed several charged off accounts on my credit reports that are constantly reporting inaccurtely. THe debts were discharged by the original creditors. Once a debt has been written off by the original creditor, it then becomes TAXABLE Income for me. I have reached out to these companies for months after months. THese companies are constantly ignoring my request and at the same time, they continue to report inaccurate information to my credit report. This is a direct violation of my rights under the FCRA. Taxable income should not be reporting on anyone 's credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-14 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: AL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXXXXXX XXXX XXXX XXXX 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