vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5
) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-02-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have called for twice, the first one did not illustrate clearly whether my money can be returned. I have received XXXX unrecognized transaction from florida ( I am a XXXX XXXX. ) in XXXX. The transaction is large to XXXX dollars. Also, my card information is leaked from the bank or website, the Chase bank refused to take responsibility. The last call was a lady, who was kindly rude. Repeatedly told me the money can not get back even if they are pending. The bank suddenly stop the phone in a rude way. I feel so angry about Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Propel, Inc.
State: WA

Complaint narrative:
Subject : Failure to Properly Investigate and Refund Fraudulent Charges on My Account Complaint Details : On XX/XX/year>, I submitted a dispute to [ Financial Institution Name ] regarding multiple unauthorized transactions totaling over {$700.00} on my account. These charges were made to merchants such as " XXXX '' and " XXXX '' on XX/XX/year>. 

Despite clearly stating that these transactions were fraudulent and not authorized by me, the financial institution failed to properly investigate my claim. Here are the key issues with their handling of this matter : 1. No Provisional Credit Provided : As required under Regulation E for unauthorized electronic transactions, the institution did not issue a provisional credit while conducting the investigation. This left me financially burdened, as the fraudulent charges amounted to my entire paycheck. 


XXXX. Inadequate Investigation : The banks email response stated that the transactions were consistent with previous account activity and were conducted by an authorized user. This conclusion is incorrect. I would never authorize or spend my entire paycheck on Xbox-related purchases, and no other authorized user has access to my account. 


XXXX. Failure to Provide Supporting Documentation : The institution claimed that their decision was based on a review of their systems, coordination with merchants, and other undisclosed methods. However, they have not provided me with any documentation supporting their conclusion, even after I requested it. 


4. Lack of Consumer Protection : The response dismisses my concerns outright and fails to acknowledge my evidence. This is a breach of their duty to protect consumers from unauthorized transactions. 



Resolution Sought : Immediate refund of the fraudulent charges. 

A detailed explanation of the steps taken during their investigation. 

Copies of all documents, communications, and evidence used to deny my dispute. 


This situation has caused significant financial and emotional distress. I expect the financial institution to take full responsibility for this failure to protect my account and resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
All three credit bureaus ( Experian, Equifax, and TransUnion ) have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences all three has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
All three credit bureaus ( Experian, Equifax, and TransUnion ) have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences all three has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inaction violates federal law and my rights as a consumer.

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 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX this is an old account and it is still reporting on my credit report. I have requested it to be removed and it keeps reappearing on my credit report. This account is over XXXX XXXX XXXX paid in full and needs to be removed and not reappear on my report

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 2025-02-09 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: AL

Complaint narrative:
I asked the consumer reporting agency & creditors to remove the inaccurate information on my consumer reports they told me they can not remove anything it was against their policy to remove items from my consumer reports. I ask for proof of permission that I gave to report such items and never received anything.

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 2025-02-09 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
account placed in collections and it reads as open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Freedom Mortgage has decided I can not have access to my loan online to protect information about the people I assumed the loan from but they're comfortable with reporting the sellers new address as my current to the credit agencies, so I do have that information, and now I have to undo the mess that Freedom Mortgage created. This is my second complaint filed against this company and I suspect there will be many more with the way they conduct business.

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Dispute of Charge-Off Account - SEZZLE INC ( Account Number : XXXX ) ** XXXX XXXX, ** I am writing to dispute the charge-off status of my account with SEZZLE INC, account number XXXX, as reported on my credit report dated XX/XX/XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) Section 1692c, I did not receive a 1099-C form for this account, which is required for the cancellation of debt.

**The details of the account are as follows : ** - **Account Name : ** SEZZLE INC - **Balance : ** {$0.00} - **Balance Updated : ** XX/XX/XXXX - **Credit Limit : ** {$1200.00} - **Date Opened : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX - **Status : ** Charge-off - **Status Updated : ** XX/XX/XXXX I request that you investigate this matter and provide verification of the debt, including the 1099-C form. If you can not provide this documentation, I request that you remove the charge-off status from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and inform me of the results of your investigation. 

**Sincerely, ** XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I am writing to file a dispute regarding inaccuracies on my credit report maintained by Experian. 

Bankruptcy Listing : I received a letter from the United States Court confirming that Experian has not verified the bankruptcy listed on my credit report. Despite providing this documentation to Experian, they have refused to remove the bankruptcy from my file. I have been requesting its removal, and this has not been acted upon by the company.

Hard Inquiries : I contacted Experian to notify them that I have not applied for any car loans, as I already own a brand-new vehicle. However, several unauthorized hard inquiries related to automobile financing remain on my report. I requested the removal of these inquiries, but Experian has failed to do so. 

Paid and Closed Accounts : I asked Experian to remove the negative reporting on several accounts that were paid off and closed in full. Despite this request, these accounts remain negatively reported, but the company has not updated my file. 

Inaccurate Names : I also requested that Experian remove any names that do not match my legal name, XXXX XXXX XXXX, from my credit file. However, the company has failed to address this issue as well, leaving inaccurate information on my credit report. 

Despite my repeated attempts to resolve these issues through their customer service channels, Experian has not taken the appropriate corrective actions. I am now seeking assistance in ensuring that the inaccuracies on my credit file are promptly corrected.

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 2025-02-09 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 have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$190.00}.

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 2025-02-09 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 have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$190.00}.

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 2025-02-09 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$190.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: Penn Credit Corporation
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Penn Credit Corp, XXXX XXXX, and XXXXDept Of Ed has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 generallf, 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On Thursday XX/XX/year> I added XXXX dollars to my XXXX account from my personal bank account linked to the XXXX account. I let a couple days go by before using the money so on XX/XX/year> I went to make a purchase that declined. When I looked at the account I was instructed to go to my email associated with the account. When I did I found that XXXX had frozen my account due to what they stated was suspicious activity. I had added the money from my personal account that I linked to XXXX and have made transfers before with no problem. For some reason now my money is being held from me. This is suspicious on XXXX part. I called XXXX customer service and they stated there was nothing they could do about the hold on my account. I put in my personal identification as well as verified myself and accounts they suspect is suspicious. I spoke with a supervisor XXXX whom stated that when I asked what the process is for unfreezing an account stated it was up to the account recovery team and could not tell me what was going to happen. He stated I had to wait for them to email me regarding my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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 ; XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief