vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: TX

Complaint narrative:
I just want my account back open! Ive been fighting with them for years! They said they are working on it and I have a case number then when I ask about it I get no information and this has been going on for about 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a satisfaction of mortgage on XX/XX/XXXX. I am trying to get a home equity loan, and I have learned that there is still a lien on my mobile home title with the DMV. I called Wells Fargo and asked for a lien release on XX/XX/XXXX. The DMV would not accept what was emailed to me on that date. They need something signed in ink. I called twice on XX/XX/XXXX. I was told I would have to go to a branch to get a lien release signed in ink, and that it isn't something they could mail to me. The nearest branch is a two hour drive from my house. Then I was told by a supervisor to go to the county tax office to see if they have the original. They did not have the original. I called again and finally was told I needed to submit a written request. I asked for a supervisor. I was given Case # XXXX, and told to fax a written request. I faxed a written request on XX/XX/XXXX asking for the bank to electronically release my lien, and to send me a lien release letter signed in ink. I have heard NOTHING from them. I am now held up on getting this loan and have lost my interest rate that I was locked in at for a set number of days. This is absolutely absurd, I paid this loan off THREE years ago.

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 2025-02-13 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: NV

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
The company didn't properly investigate my disputes. Disputes were rushed and closed. No effort at all. They didn't investigate the companies who claimed the information on me. Nothing was taken serious. The information on credit limit was were. Things were still on my credit that was solved by card company. Also, I never received anything in writing and the staff member that I spoke with was VERY rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit 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 2025-02-13 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: VA

Complaint narrative:
XX/XX/year>, I had XXXX transferred into my XXXX XXXXXXXX, I then sold that XXXX and the balance of {$420.00} went into my XXXX  account balance where I then tried to withdraw it into my Paypal using XXXX, which I have used this transaction type NUMEROUS times in the past with NO PROBLEM. I contacted XXXX  TWO TIMES talked to TWO different agents who tell me they have no idea why I can't transfer my money out to my Paypal. I went to the ATM and used my XXXX  debit card to which I still was not able to withdraw my funds from XXXX They suspended my account until I could send my ID, which I immediately did. After 2 days they unfroze my account stating I could now withdraw my funds. I still AM NOT ABLE to withdraw funds. It tells me payment can't be completed try again. I have tried SO MANY times and still nothing. They are telling me they can't do anything to push my transfer through so I can get my {$420.00} funds that is just sitting in my account. I should not have to fight this hard to get MY OWN MONEY. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Around XXXX XXXX XXXXXXXX, within a JC Penny 's store, I was checking out to buy two shirts that I wanted from the store. While checking out, the cashier, asked if I would like to sign up for JC Penny 's reward program. I asked her if joining was free, and that the membership was free, and she confirmed yes. She said that it would give me a discount on my total from XXXX dollars down to XXXX dollars, which I thought was a good deal for a free membership. She told me to input my email, SSN, as well as the rest of the process. The entire time, the phrase " membership '' and " membership card '' was explicitly used, which misled me into thinking that what I was signing up for was not a credit card, credit line, or anything similar. Up until after I signed the receipt verifying that I signed up for this " membership '' did I realize that I had signed up to open a JC Penny 's credit card. I found this incredibly misleading and am lodging a formal complaint against the company to make others aware of these tactics. I plan on pursuing this to the fullest degree. Furthermore, she had charged the credit card, without my knowledge, with the XXXX dollars I had to pay instead of choosing which payment option I would like. To summarize, I was misled to opening a credit card by the cashier, I was not given an option of payment but rather had the card charged without my knowledge, and nothing was done in retrospect.

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 2025-02-13 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: UT

Complaint narrative:
I am writing to address several accounts on my credit report that I believe are inaccurate and have not been properly verified. After reviewing my credit reports from other bureaus, I noticed discrepancies that suggest these accounts may not have been thoroughly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and to conduct a comprehensive investigation when a dispute is raised. 
Based on the information I have, I do not believe these accounts were appropriately verified. 
The accounts I am disputing are as follows : Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX  - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified XXXX XXXXXXXX - XX/XX/XXXX - Unverified XXXX XXXX XXXX  XX/XX/XXXX - Unverified XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - Unverified XXXX XXXX  XXXX - XX/XX/XXXX - Unverified XXXX XXXX - XX/XX/XXXX - Unverified XXXX  XXXX - XX/XX/XXXX - Unverified XXXX  XXXX - XX/XX/XXXX - Unverified XXXX XXXXXXXX - XX/XX/XXXX - Unverified XXXX XXXX XX/XX/XXXX - Unverified I am also aware of the recent lawsuit between the Consumer Financial Protection Bureau ( CFPB ) and Transunion, which highlights issues with improperly handled disputes.

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 2025-02-13 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: VA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : XXXX : {$13000.00} XXXX  : {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the addresXXXX XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA.

I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law.

.

Failure to comply with the requirements set forth in the FCRA and SCRA will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute the following information on my credit report under the Fair Credit Reporting Act, specifically 1681 ( o ). I believe the information listed below is inaccurate or incomplete, and I request that the issue be thoroughly investigated.

Disputed Item ( s ) : ANY AND ALL.

Reason for Dispute : inaccurate information Under Section 1681 ( o ) of the FCRA, I understand that you have a responsibility to investigate this matter with the furnisher of the information. I request that you conduct a reinvestigation and notify me of the results of your investigation. 

Please provide me with a copy of my updated credit report reflecting any corrections made as a result of your investigation. 

Thank you for your attention to this matter. Please let me know if you need any further documentation or information to assist in resolving this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: KS

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I sent complain letter to Coinbase as I got fraud issue in the process to send USD to Coinbase account, manipulated the address of Coinbase Wallet by the scammers. 

I sent the letter 3 weeks ago, but Coinbase has not responded nor no reactions. 
Please see the details in the letter I attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Collector misrepresents their role and is pretending to be the original creditor which violates the FDCPA. This is outlined of a debt collector misrepresenting themselves under Section 807 ( 10 ), which includes false claims about their identity, pretending to be the original creditor when they are not. Also reporting incorrect original dates of first late payment. These are deceptive practices and reporting should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 experience, where Experian 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 Experian 's 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 2025-02-13 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: AL

Complaint narrative:
Payment made on XX/XX/XXXX not 30 days late being reported as no payment made in XXXX! Have proof of payment as well as fraudulent insurance policy being added to escrow for flood insurance. Sent proof of insurance for building as usual each year but for the XXXX time claimed they did not have it and added XXXX to my escrow first time a few years ago and did it again in XXXX at XXXX a month when our building is not in a flood zone and policy was not even needed! Will not allow access to account on line before making other demands for odd amounts first!

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 2025-02-13 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: AL

Complaint narrative:
Payment made on XX/XX/XXXX not 30 days late being reported as no payment made in XXXX! Have proof of payment as well as fraudulent insurance policy being added to escrow for flood insurance. Sent proof of insurance for building as usual each year but for the XXXX time claimed they did not have it and added XXXX to my escrow first time a few years ago and did it again in XXXX at XXXX a month when our building is not in a flood zone and policy was not even needed! Will not allow access to account on line before making other demands for odd amounts first!

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 2025-02-13 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:
Payment made on XX/XX/XXXX not 30 days late being reported as no payment made in XXXX! Have proof of payment as well as fraudulent insurance policy being added to escrow for flood insurance. Sent proof of insurance for building as usual each year but for the XXXX time claimed they did not have it and added XXXX to my escrow first time a few years ago and did it again in XXXX at XXXX a month when our building is not in a flood zone and policy was not even needed! Will not allow access to account on line before making other demands for odd amounts first!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent account have been opened under my name without my knowledge or consent. These account is charge-off which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft. Dispute and Remove these fraudulent account and injuries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-13 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Purchase date XX/XX/2025 Purchase amount {$3500.00} Seller info XXXXXXXX XXXX Remaining balance {$3300.00} I filed a claim with PayPal regarding this matter and they denied the claim. I was told I needed proof that it was not delivered. I contacted the seller and although XXXX tracker says the items were delivered, the photo they attached shows that nothing was on my front porch. The seller wrote a letter to PayPal stating that is clear from the proof XXXX sent that there was not anything on porch. PayPaXXXX received the XXXX phots, the letter from the seller and the police report number. Yet they still refuse to credit my account. XXXX from PayPal states that the item I attached, and photo was not enough proof. I continued to ask what more is needed. She stated that the seller has nothing to do with the shipment, the photo from XXXX means nothing because they printout says it was delivered. The seven boxes may have been delivered but it was not at my house. The proof is in the picture that XXXX attached to their response.

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