vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX and XXXX XX/XX/year> XX/XX/year> Please delete both these off my name! 

Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below. 

Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
If you have any questions or need additional information please contact me at : Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
This is my XXXX time having to report this to the CFPB. Theres a creditor called snap finance that keeps selling a file that doesnt belong to me to collection agencies. Each time I have to ask for an investigation to show that this account does not belong to me. Never belonged to me. Ive never had an account with them. Each time the other agencies do an investigation and determine that this account does not belong to me. Yet experian claims to show it does when I ask for proof theres never any documents provided. 

This new collection agency is called XXXX XXXX XXXX on Experian website account XXXX This company can not provide any information that shows that I opened an account with XXXX XXXX. They only provide an electronic contract but no form of my identification to show it was me who opened the contract. It isnt fair to me to keep having to go through this when I never had an account with this company and each year I have to keep asking for this to be removed and Experian is the only agency that gives me issue because they dont actually do an investigation. 

I have provided proof from the other agencies that after a real investigation the account was removed as Ive never had a XXXX XXXX  account nor can this collection agency provide any proof that I have.

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 2025-03-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX, I ordered a package from XXXX. The package contained two black hoodies totaling {$280.00}. After it was said that the package had been delivered, I waited a couple days before contacting the company on XX/XX/XXXX, summarizing the issue I had going on. The company responded to my issue asking me to contact the courier service ( XXXX ) and file a claim with them regarding the missing package, then they would be able to refund the money. I filed a claim for the package with the tracking number XXXX on XX/XX/XXXX. After months of continuously reaching out to XXXX waiting for an answer, I heard back that the investigation process had concluded and it was found that my package could not be located. Following this, I contacted the company with proof of the claim as well as the conclusion. The company instructed me to file a chargeback with my banking institution, Chase bank. For about a month I had the funds in my account, and thought my issue had been resolved. However, on XX/XX/XXXX, it came to my attention that the bank had reversed the money. After calling multiple times, they explained to me that the chargeback had been denied by the company. I emailed the company again on XX/XX/XXXX to see what had happened with my issue. They explained to me that it was the bank who denied the chargeback. I contacted my bank once again and they told me the opposite of what the company had explained to me. XXXX offered to re-open the investigation, however, I had to continue reaching out to them in order to get an answer. Their final response was that the bank kept denying the chargeback and therefore, they were unable to help me in any way. As a last resort, I contacted the courier once again trying to get more information on the concluded investigation, perhaps a claim number or documentation proving that their investigation came back inconclusive. XXXX was unable to provide me with any sort of documents that could help me build an argument, their reason for this being that the company XXXX, never responded to the claim sent to them by XXXX. XXXX responded by saying that they would attempt to re-send the claim to XXXX, in hopes that they will be able to answer back and therefore continue with this ongoing process. Unfortunately, this is my last option as my account has been over-drafted ever since this issue and no one has been able to give me a solid resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am writing to express my frustration and disappointment with the recent issues I've encountered with my PayPal account. I recently sold a set of used XXXX on XXXX XXXX, and now, PayPal is requiring an invoice ( proof of purchase ), proof of delivery, and even identification to close my account or process the transaction. This request is not only unreasonable but also completely unnecessary, especially considering the circumstances. 
To give you a bit of context, I purchased these panniers, which were attached to a motorcycle around 15 years ago, and they were sold as used items in used condition. There was no formal invoice provided back then, as they were an integral part of the motorcycle I purchased. This would be similar to selling a trunk liner that came with a car, yet you needed to provide proof of purchase for the liner individually. The panniers were used for many years, and I recently sold them in good faith to another buyer. 
Now, however, I find myself stuck in a situation where PayPal is demanding documentation that simply doesnt exist. I can't provide proof of delivery because the item was sold via a marketplace, and while I did ship the item, I did not keep the shipping receiptthis wasnt something I anticipated needing 15 years after the purchase. Adding to my frustration, PayPal is also asking for identification documents to close my account, which is absurd given that this is a simple transaction involving a used item. 
It's incredibly frustrating that PayPal is making the process so complicated for something that should be straightforward. Ive been a loyal user of PayPal for years, but this experience is making me reconsider ever using their service again. I am unable to close my account, and it's causing a lot of unnecessary stress. Im reaching out in the hope that you can help me resolve this issue quickly and allow me to close my account without jumping through hoops for a transaction involving an item I sold years ago. 
Please assist in closing my account as soon as possible and removing these unnecessary restrictions. Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Continental Finance Company, LLC
State: LA

Complaint narrative:
Subject : Cease and Desist Communication and Reporting to Consumer Reporting Agencies To Whom It May Concern : This letter serves as a formal notice to Celtic/ContFinco to immediately cease and desist all forms of communication with me, including phone calls, letters, emails, or any other type of contact, regarding the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( c ). This also includes reporting or furnishing any inaccurate, unverifiable, or outdated information regarding the alleged debt to any consumer reporting agency, as outlined under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. XXXX U.S.C. XXXX ( a ) XXXX, XXXX U.S.C. XXXX ( XXXX ), XXXX U.S.C. XXXX ( 6 ), Cease Communication Under FDCPA, XXXX U.S.C. XXXX ( c ), I am exercising my right to request that Celtic/Finco XXXX XXXX all communication with me about the alleged debt. Any further contact by your company will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Cease Reporting to Consumer Reporting Agencies Additionally, under FCRA, XXXX U.S.C. XXXX ( a ), your organization is required to ensure that all information furnished to consumer reporting agencies is accurate and complete. If the alleged debt can not be verified in full compliance with the FCRA and FDCPA, you must refrain from reporting it or promptly delete any inaccurate or unverifiable information. 
Violations Creditor did not Provide : Requested Validation Chain of Ownship ( Securitization ) Assignment Contract with Wet Signature Legal Consequences Please be advised that any failure to comply with federal and state laws will result in immediate legal action to protect my rights. This includes, but is not limited to, filing a complaint with the CFPB, FTC, and pursuing private legal remedies for damages caused by violations. 

Final Notice This letter constitutes my formal request under the FDCPA and FCRA. Any future communication regarding the alleged debt should only occur through written correspondence sent via certified mail to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-03-05 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am writing to formally file a complaint against SoFi Bank regarding the abrupt and unjustified closure of my account. This incident has caused me significant inconvenience and concern, and I am seeking assistance in resolving the matter. 

On [ date of the incident ], I attempted to send a payment to a charitable organization. Shortly after initiating the transaction, I was informed that my SoFi account had been closed without any clear explanation. I reached out to SoFis customer service for clarification, but I was not provided with a specific reason for the closure.

I believe this action was taken unfairly, as I have not engaged in any fraudulent or prohibited activities. Furthermore, the lack of transparency and communication from SoFi has made it difficult for me to understand or rectify the situation. I am requesting that SoFi provide a clear explanation for the closure and, if possible, reinstate my account. Additionally, I would like to ensure that any remaining funds in my account are returned to me promptly. 

I am bringing this matter to the cpfb in hopes that you can assist in facilitating a resolution. I appreciate any guidance or intervention you can provide to help address this issue. 

Please feel free to contact me at your earliest convenience regarding the next steps. Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-05 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: GA

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( 15 U.S.C. XXXX ) and XXXX ( 15 U.S.C. XXXX ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX ( 15 U.S.C. XXXX ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX Account Number:XXXX Amount : XXXX XXXX : XXXX : {$540.00} Date of Account: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