vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
In XXXX someone hacked my paypal account and changed the email address and took over the account. I did not know this. Starting in XXXX, someone started using the account to take money from my bank account. In XX/XX/XXXX I noticed and flagged all of the transactions on the account as fraudulent to XXXX and Paypal. XXXX was only able to give me the first 60 days of transactions back, and said to go through paypal for the rest. Paypal is consistently denying my claim that this was not me with no ability to prove it was me, while I have proof it was not me. They told me the exact date fraudulent emails, phone numbers, addresses, and even a social security number was added, all of which were not me. But still won't give me my money back. Someone also applied for paypal credit in my name, but with the incorrect social security number so it was denied, and paypal is ignoring that fact. Dates and amounts of all 40 fradulent transactions are in the document below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I have inquires on my credit report that I have no knowledge of. I believe that I was the victim of fraud. 

I have no knowledge of the following inquires. 

XXXX XXXX XXXX Foursight XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have inquires on my credit report that I have no knowledge of. I believe that I was the victim of fraud. 

I have no knowledge of the following inquires. 

XXXX XXXX XXXX XXXX XXXX COAF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
Reliant capital solutions they are attempting to collect a debt and say Im in delinquent I made a payment then went to school and checked my financial aid.gov and they are not my lenders or even my loans are current they have the exact info but its not right I even made a payment plan before I knew this was a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute incorrect information on my credit report. Upon reviewing my report, I noticed several discrepancies that do not accurately reflect my financial history. These errors are negatively impacting my credit standing, and I need them corrected immediately.

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 2025-02-06 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: OH

Complaint narrative:
CFPB : BEFORE YOU CLOSE THIS CASE BECAUSE YOU REPEATEDLY THINK IT ISI THE SAME ISSUE, LOOK AT THE ATTACHED DISCUSSION I HAVE HAD WITH YOUR OMBUDSMAN. AM I IN THE XXXX XXXX?

I AGAIN REPEAT : THIS ISSUE IS NOT RESOLVED. IT IS HAPPENEING AGAIN BUT AND THAT IS A VERY XXXX XXXX XXXX IT IS HAPPENING WTH DIFFERNET VENDORS. 

SO DO NOT CLOSE THIS CASE OR I WILL HAVEW TO GO BACK IN CIRCLES WITH THE OMBUDSMAN. LOOK AT THE ATTACHMENT FROM THE OMBUDSMAN!!!!!!!!!!!!! 

CAN SOMEONE AT CFPB JUST SIMPLY COMMUNIKCATE WITH THE BANK BECASUSE THEY CONTINUE TO IGNORE. 

It looks like the XXXX Bank is up to their old tricks. This is an old story that just never dies. I have always been the primary card holder. XXXX XXXX was an authorized user and then I threw him off the card. The bank allowed him to have XXXX digital wallets that kept on automatically creating purchases on my card they failed to take him off. In fact, how could he even make those digital wallets in the first place because he was never ever ever a primary card holder and according to the banks own terms and conditions only the primary cardholder has the power to do that Anyway here are the purchases that are still stuck on my XXXX card. They have been on my card for over two years and I have asked the bank over and over and over again to take them off. I have spent hours and hours on the phone writing them. Emails sending letters and they are still on my card these idiots need to remove these purchases from my card and then remove all of the interest payments for the past 2 1/2 years. Or I will take them to court. This is absolute XXXX. I have spent XXXX of dollars with this bank for almost 40 years and they can not get there shiitake together. 
XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 were open by 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 non-monetary relief
Consumer complaint received 2025-02-06 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: CT

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XXXX XXXX XXXX Equifax dropped my credit score XXXX points because someone changed a creditors name on my report without my permission and the creditors names is misspelled. There is no such creditor named " XXXX XXXX XXXX, nor XXXX XXXX XXXX ''. I WANT ALL OLD ADDRESSES, PHONE NUMBERS, CREDITORS THAT DON'T EXIST REMOVED OFF MY CREDIT REPORT. I DIDN'T GIVE ANY PERMISSION TO ADD OR PUT INACCURATE INFORMATION ON MY REPORTS INCLUDING ANY LATE PAYMENTS THAT MAYBE ON MY REPORTS WITHOUT MY KNOWLEDGE OR EXPESSED PERMISSION IN WRITING FROM ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX  XXXX XXXX $ collection agency portfolio recovery associates llc. 
card and statements were being sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this address has opened multiple cards in my name. 
this is not my address the company would not provide statements online to show what card was used for because account is under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Urgent Request to Halt Legal Action Velocity Investments LLC Dear CFPB Representative, I am writing to formally request your urgent intervention in a matter involving Velocity Investments LLC , which has initiated legal action against me for a debt that I do not recognize and has failed to validate in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

Complaint Details : I was never notified of this alleged debt, violating 15 U.S.C. 1692g ( a ), which requires a debt collector to provide written notice within five days of initial communication.

Velocity Investments LLC has failed to provide any verification of this debt despite multiple requests, violating 15 U.S.C. 1692f ( unfair debt collection practices ). 
I have no contractual agreement with this company and do not believe this debt is valid. I have yet to receive any information regarding the nature of this debt, the original creditor, or proof of my obligation. I have no record of entering into any contract with this company, and they have failed to provide any verification or substantiating documents. 
A lawsuit has now been filed against me, despite the fact that no proper validation has been provided, which appears to be a violation of my consumer rights. 
Request for Immediate Action : I respectfully request the CFPBs assistance in : Halting the legal action until Velocity Investments LLC provides full and proper validation of the alleged debt. 
Conducting a formal investigation into Velocity Investments LLCs collection and litigation practices to determine compliance with federal laws.

Ensuring that any unverified information is not reported to the credit bureaus and does not negatively impact my financial standing. 
This lawsuit is causing unnecessary stress and financial hardship over a debt that has not been properly verified. I urge the CFPB to take immediate steps to protect my consumer rights and ensure fair debt collection practices.

Immediate cessation of all collection attempts until full validation of the alleged debt is provided. A formal investigation into Velocity Investments LLCs failure to comply with federal debt collection laws. Removal of any negative information reported to the credit bureaus in connection with this debt that I have absolute no recognition of receiving any information on. 

Please confirm receipt of this request and provide any updates regarding potential intervention. Thank you for your time and attention to this matter. 

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX other accounts you saying I'm oweing.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase had an offer that if you spend {$400.00} or more at XXXX before XX/XX/XXXX you'll receive {$200.00} statement credit. I made a purchase at XXXX on XX/XX/XXXX for XXXX meeting all of Chase 's requirements for the offer. XXXX posted the transaction on XXXX. Since the payment was posted on XXXX Chase didn't give me the {$200.00} statement credit. I called them and provided them with the proof on when it was purchased. They submitted a ticket and took over 30 days to deny offer. If I knew i wouldn't get the offer I wouldn't have made the purchase. When I talked to chase rep they assured me I'd be getting my statemenent credit. The whole process was deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
I am disputing inaccurate and fraudulent accounts on my report under the rights granted by the FCRA and CFPB regulations. Under 15 USC subsection 1681e ( b ), credit bureaus must ensure maximum possible accuracy, yet errors remain on my report. Per 15 USC subsection 1681g, I request full disclosure of all data sources and verification methods. Additionally, under 15 USC subsections 1692e & 1692g, furnishers or debt collectors reporting unverifiable information violate the Fair Debt Collection Practices Act. 15 USC subsection 1666b requires creditors to follow proper procedures in reporting and correcting disputes. I also challenge the Complete and Accurate Method of Investigation used to verify these accounts. If they can not be fully verified and proven, I demand that they be removed. Please investigate these accounts and supply me with a written response with the final determination and all updates made to my 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 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
They say I owe money and that the school closed in XXXX and I wasnt enrolled when they closed. That is a lie. I was going to school faithfully everyday, I needed XXXX more class to graduate. They closed the school down. Now whatever other workshops and stuff they was doing had nothing to do with students. I dont feel I need to pay this back. I stopped going in XXXX because there doors was closed to us. Look it up. Reach out to them we were not able to attend the school thats the only reason why I dont have a certificate and I only needed a XXXX class. Im not paying this loan back because I should not owe it and I got nothing accomplished because they wasnt accepting us anymore and the credits were non transferable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX has violated my rights. 


EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


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 XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In ge
nerallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief