vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
Subject : Unauthorized Transaction on PayPal Debit Card Dispute Denied To Whom It May Concern, I am submitting this complaint regarding an unauthorized transaction on my PayPal debit card, which I reported to PayPal as fraudulent. Unfortunately, my dispute was denied based on the reasoning that my account was logged into during the time of the transaction. However, I want to emphasize that I never authorized this transaction, nor did I receive any of the funds that were taken. 

I have repeatedly informed PayPal that I do not use XXXX XXXX and have not used it since late 2024. Despite making this clear, my dispute was still rejected, leaving me without any resolution for the lost funds. This situation has caused me significant financial and emotional stress, as I am now left without the money that was wrongfully taken from my account. 

I am requesting that this case be reconsidered, as the denial of my dispute was based on login activity rather than proof of authorization. Simply being logged into my account does not mean I approved or initiated this transaction. I urge PayPal to take a closer look at the details of this case and provide a fair resolution. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-29 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX/XXXX/2197 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XX/XX/2024, XXXX - XX/XX/2024, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-03-29 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-29 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-29 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: MO

Complaint narrative:
Filed dispute and requested proof of validated information. XXXX received response from Bureau.

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account was opened at Chase Bank XXXX California both a Savings & Checking Account. in either XXXX or XX/XX/XXXX. No matter how many times I call I DO NOT GET ANYTHING whether on the phone email or snail mail Nothing! The Deposits & withdrawals have information that is not right. My checks my statements along with my signature being forged & Deposits & Withdrawals have been altered in plain site. XXXX of them is for {$10000.00} XXXX XXXX XXXX at the Chase Bank location in XXXXXXXX XXXX Im out of luck & he cant fix it. He takes up XXXX websites to promote himself. And when you want a Transaction of all Deposits & Withdrawals the bank Chase here in California cant give it to me it gets sent from Colorado or Nevada Chase when the teller orders it for you & hands it to you.The logo the rectangle in the middle of the checks you can barely see. This Bank needs to answer ALL my questions & transactions & WHY XXXX cant get those transactions at the Chase Bank. This account was closed in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: UT

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent inquiry on my credit file that I would like to be removed. I see that some inquiry have been removed, but there are still more that remain. I am requesting that Experian remove all the fraudulent inquiry from my file that were opened without my permission. Please see the listed inquiry below that require removal. 
XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have an account with PayPal and they closed it without explanation and is holding my funds for 120 days I can not transfer out or access funds they say for 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GA

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. 

AXXXX XXXX XXXX XXXX XXXX XXXXXXXX Unknown - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Winklevoss Exchange LLC
State: NY

Complaint narrative:
This is the centralized crypto exchange XXXX. 

I am not able to withdraw any of my XXXX ( not even {$1.00} ) despite it allegedly being available for withdrawal. I get the error message " Security hold. Contact XXXX '' This is despite the fact that I was previously able to withdraw my XXXX with no issues. 

I have tried to contact the company multiple times asking why there is a security hold placed on my account. My first ticket was filed on XX/XX/year>. While they will respond to my initial ticket saying they are " investigating it '', they will ghost me after sending that reply. I have opened multiple tickets but it has been over a month of my funds being frozen and inaccessible. They will not even clarify the reason why I now have a security hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: DE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am filing this complaint to report multiple ongoing violations by LoanCare LLC relating to the servicing, collection, and handling of my mortgage loan. Despite repeated lawful requests and formal notices, LoanCare has failed to comply with federal servicing regulations and has accepted disputed payments under restrictive endorsement, constituting an accord and satisfaction under UCC 3-311.Below is a timeline of relevant actions : - XX/XX/XXXX I issued a formal Notice of Rescission and Opportunity to Cure citing a bona fide dispute regarding the loan. - XX/XX/XXXX LoanCare received the notice. - XX/XX/XXXX I mailed XXXX # XXXX via XXXX XXXX XXXX  XXXX with a restrictive endorsement stating payment in full accord and satisfaction. - XX/XX/XXXX I mailed XXXX # XXXX ( Check # XXXX ), also under dispute. - XX/XX/XXXX LoanCare received XXXX # XXXX and accepted it. - XX/XX/XXXX I mailed a formal UCC 9-210 Statement of Accounting Request. - XX/XX/XXXX LoanCare received the request. No sufficient response was provided. - XX/XX/XXXX I mailed Payment # 3, again under the accord and satisfaction notice. - Subsequent Payments ( # XXXX ) Made under duress, including Payment # XXXX sent with Check # XXXX on XX/XX/XXXX. - XX/XX/XXXX I mailed a formal Notice of Fault. - Throughout XXXX LoanCare responded only by sending copies of the note, deed of trust, and my payment history. They never validated ownership, chain of title, servicing authority, or responded to the restrictive endorsements. - XX/XX/XXXX I mailed a Qualified Written Request ( QWR ) under RESPA ( 12 U.S.C. 2605 ( e ) ; Reg X ). - XX/XX/XXXX XXXX was received by LoanCare and their registered agent. - XX/XX/XXXX LoanCare responded but failed to address key issues : no complete chain of title, no proof of securitization, no transactional accounting, and no legal justification for servicing or collection. - XX/XX/XXXX I mailed a formal follow-up letter ( Final Demand ), citing continued non-compliance and intent to escalate. - XX/XX/XXXX LoanCare mailed a Notice of Error Acknowledgment stating they would respond in XXXX business days. However, no extension was granted, and my dispute remains unresolved.As of today, LoanCare has : - Failed to validate the debt as required under RESPA - Failed to provide a full accounting or securitization disclosure - Failed to rebut a properly tendered accord and satisfaction - Failed to respond in good faith to repeated, documented 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 explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to the rights granted to me under federal and state law, including but not limited to the Fair Credit Reporting Act and other related regulations, I hereby formally request that a Security Freeze be placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, a XXXX late payment was reported by XXXX on my credit report for a {$130.00} account that had previously been in forbearance and payment deferral from XX/XX/XXXX to XX/XX/XXXX, which is also documented on my report. This account was paid and closed in good standing, and Ive never defaulted intentionally. 

The payment was never made 30 days late on my end. 

Due to financial hardship after losing my job, I was briefly behind, but I quickly paid off the balance, and the account is now closed with a XXXX balance. Despite this, the 30-day late mark is heavily impacting my credit score and future financial opportunities. 

I also filed a dispute with Experian, but I was told to handle this online and was given no human support. My reinvestigation with Experian appears to have been processed, but no change has been made to the negative reporting. This late payment was unintentional, isolated, and not reflective of my overall payment behavior. 

I am a young entrepreneur actively trying to build a business and fix my finances, and this one report is disproportionately damaging. I respectfully ask the CFPB to step in and assist with a fair review of this mark.

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, I was unable to access my Citibank checking account. I contacted Citibank and was informed that my account was being closed due to suspected fraudulent activity. On XX/XX/XXXX, I received an official closure notice via email. At that time, my account had a balance of {$1300.00}. 

I was told that any remaining funds would be mailed to me by check within 60 days. After following up multiple times, including a visit to a Citibank financial center, I was informed that the account was actually closed on XX/XX/XXXX ( not XX/XX/XXXX ), and that I would need to wait until XX/XX/XXXX to receive the check. However, when I contacted Citibank 's fraud prevention team again, they stated that I was not owed any money, claiming the funds " did not belong to me, '' without offering any explanation or proof. 

Most of the transactions in this account were transfers from my personal XXXX  XXXX XXXX account, which I have held for over XXXX years. I contacted XXXX  XXXX XXXX, and they confirmed that all those transactions were legitimate and that they did not flag any of them as suspicious. 

The only reason I made several XXXX transfers between my XXXX  XXXX XXXX account and Citibank was to complete the {$3000.00} qualifying transaction requirement for a {$320.00} welcome bonus offer Citibank advertised when I opened the account. I was not engaging in any fraudulent activityI was simply following the promotion terms as stated. 

I had previously filed a complaint with the CFPB about this same issue, but the case was closed after Citibank responded by repeating that the funds didnt belong to meagain, without any evidence or explanation. I am more than willing to submit documentation from my XXXX  XXXX XXXX account to prove that the funds were mine. 

I now request that Citibank provide a full account statement or transaction history for the checking account prior to its closure, so I can better understand the account activity and provide any documentation necessary to prove ownership of the funds. 

Im filing this new complaint because the issue remains unresolved and I have not received a valid explanation from Citibank or the {$1300.00} that was in my account at the time of closure.

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 2025-03-29 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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