vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not have any affiliation with this\n address please remove off my XXXX XXXX XXXX XXXX XXXX  ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX Name : XXXX XXXX XXXX Balance : {$650.00} Date XXXX XXXX Name : XXXX XXXX XXXX Balance : XXXX Date XXXX XXXXAcct Name : XXXX XXXX Balance : XXXX Date XXXX INCORRECT ADDRESSES XXXX XXXX XXXX. ) XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX # WA XXXX XXXX, XXXX XXXX. ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX. ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : 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 UNAUTHORIZED INQUIRY LISTED : XXXX. ) XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
While reviewing my TransUnion credit report dated XX/XX/year>, I discovered multiple inaccurate, unverifiable, and potentially fraudulent entries. These include several delinquent student loan accounts reported by Dept. of EdXXXX ( amounts : {$3700.00} ; {$2100.00} ; {$4600.00} ; {$2000.00} ; and {$1200.00} ), a collection account from XXXX XXXX XXXX XXXX XXXX ( amount {$1200.00}, original creditor : XXXX XXXX XXXX XXXX and multiple unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and TransUnion XXXX XXXX XXXX XX/XX/year> and XX/XX/year>. I immediately submitted disputes and identity theft affidavits where applicable. Despite these actions, the disputed information was not properly investigated or removed as required under the FCRA ( 15 U.S.C. 1681i ), FDCPA ( 15 U.S.C. 1692g ), ECOA ( 15 U.S.C. 1691 ), FACTA, and GLBA. I request full investigation, correction, and removal in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While reviewing my TransUnion credit report dated XX/XX/year>, I discovered multiple inaccurate, unverifiable, and potentially fraudulent entries. These include several delinquent student loan accounts reported by Dept. of EdXXXX ( amounts : {$3700.00} ; {$2100.00} ; {$4600.00} ; {$2000.00} ; and {$1200.00} ), a collection account from XXXX XXXX XXXX XXXX XXXX ( amount {$1200.00}, original creditor : XXXX XXXX XXXX XXXX and multiple unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and TransUnion XXXX XXXX XXXX XX/XX/year> and XX/XX/year>. I immediately submitted disputes and identity theft affidavits where applicable. Despite these actions, the disputed information was not properly investigated or removed as required under the FCRA ( 15 U.S.C. 1681i ), FDCPA ( 15 U.S.C. 1692g ), ECOA ( 15 U.S.C. 1691 ), FACTA, and GLBA. I request full investigation, correction, and removal in compliance with federal law.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Wrongful false debt calling harassment verbal abuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX DATA 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 AND XXXX. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-27 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: TX

Complaint narrative:
PayPal has permanently XXXX my account without any notice or information as to why this decision was made. Only after I contacted the company requesting to understand any reason for this sudden business decision was I able to connect with a customer service agent named XXXX who offered a clear path to resolution, stating that I needed to upload a specific document from my linked account. No additional issues were noted. 

I met the exact resolution criteria immediately by submitting the requested documentation along with additional clarifying documentation, unsolicited and offered only to ease their jobs. 

I was immediately sent another notice of the permanent disabling of my personal account, again without any reason but with clear indication there was NOTHING I could do to resolve the issue. PayPal has not responded to any additional questions about the matter. 

They have made it impossible to move my own funds from PayPal to my linked bank accounts until XX/XX/year> with no explanation and no recourse. I would appreciate the intervention and support of the XXXX  in resolving this issue and mediating the release of my money. 

Every XXXX  counts to me. I am a mom to XXXX kids, not a large, faceless, XXXX XXXX company. I will not be able to pay for the direct withdrawal of my childrens after school care. I will be charged extra for the failed payment. I dont even have an explanation as to what I have done or failed to do to deserve this complication and added expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
I have some thing not my on my credit report, please delete for me XXXX ) XXXX XXXX XXXX open XX/XX/year> 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 2025-04-28 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes you
r organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXX/XX/XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I made a payment to Self Financial to close my account early and receive my payout ( XX/XX/XXXX ) Despite this, Self Financial inaccurately reported my payment as late, which caused my credit score to drop by over XXXX points. 

Additionally, I have not received the early payout I was promised upon making the final payment. 
( XXXX XXXX XXXX as of XX/XX/XXXX : {$510.00} ) I contacted Self Financial via their support chat and requested assistance and escalation multiple times. ( XX/XX/XXXX XXXX ) Despite my efforts, I was completely ignored and timed out of the system without receiving any help or resolution. 

( Additional screenshots showing messages and process of being ignored until forced session disconnection/logout )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
in XXXX to XXXX i was a victim of a dangerous criminal. the XXXX XXXX courthouse in XXXX iowa repeatedly sent me notices for state of iowa vs the criminal to me as the victim of his crimes, and also delivered subpoenas consistently so many of which i stopped opening them and just called and asked is there another court date, yes etc ... they were all related to the stalker/harasser who is also featured currently on americas most wanted and fled the country even telling the court clerk that he was going to mexico and not coming back to serve his two year sentence.

in all of this mess a bill collector sued me in the courthouse, not once but twice and won even claiming that i was not XXXX which i am XXXX XXXXXXXX and unable to work full time consistently any longer since XXXX. 

the debt collector is named as lvnv funding. dated XX/XX/XXXX. as a crime victim i was kicked when i was down not only by the county and state court, but also by the vile company whom attacked in an attempt to collect. did they acknowledge i am a veteran and am under XXXX status and a crime victim of a violent crime?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: NE

Complaint narrative:
I owe XXXX towards my " XXXX XXXX XXXX '' account, which was turned over to U.C. B Collections in XXXX, OHXXXX XXXX XXXX XXXX. I phoned them just to check on my amount owed ; because I noticed that the amount was not going down. I called twice between the XXXX thru XXXX of this month of XXXX ( XXXX  ). I was told that there has not been a payment since XXXX of XXXX, which is not true. I had cashiers checks made thru my bank XXXX that had their address on them. Of course, I sent payment too agency. Some one is stealing the money within their agency. I informed, representative that I would be paying on this account until the amount owed is corrected. the amount should be about XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/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 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank , N.A . ( Auto Lending Division ) has failed to lawfully validate an alleged charged-off auto loan account after a formal written debt validation demand was sent under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Specifically, Wells Fargo has failed to provide : A wet-ink signed original retail installment contract bearing my physical signature ; The full name, official title, and company affiliation of each individual who executed or authorized the original agreement or subsequent assignments ; Individual notarization verifying the authenticity of all signatures tied to the creation, endorsement, assignment, or transfer of the loan ; Proof of full chain of ownership and custody with notarized assignments ; A complete and itemized payment ledger from inception through charge-off ; Proof of legal authority to collect or enforce the alleged debt in the State of Georgia. 

Despite this failure to provide lawful validation, Wells Fargo continues to report negative information to consumer reporting agencies and maintain a past-due balance, constituting ongoing violations of the FDCPA and FCRA. 

I respectfully request supervisory escalation and regulatory enforcement.

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 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
I needed to send money to XXXX and used XE. However, I was not aware that when sending a wire transfer to XXXX, the currency submitted must be US Dollar, Canadian Dollar or Euros. XXXX Reais is not a currency that a foreign institutions can use in their wire transfer to XXXX. Before sending the money, I called XE and they made me think that they have done this several times. It turned out the transfer was immediately rejected by the XXXX XXXX XXXX  The transaction was initiated on XX/XX/XXXX, and until last Friday, XX/XX/XXXX, they still didn't give me an answer about where my money was. As an institution that operates majorly on currency exchange an international transfer, they should be aware of this regulation. The only reply I get is that they are following up. I need my money back. It's over {$60000.00}. They have no sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

Complaint narrative:
Subject : Unauthorized Charges and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 



Summary of the Issue : I, XXXX XXXX, am reporting unauthorized and fraudulent activity by XXXX XXXX XXXX XXXX involving the misuse of my personal banking information. Without my knowledge or consent, my Chase Bank account was linked to a fraudulent XXXX account under the name XXXX, resulting in repeated unauthorized withdrawals. Despite my immediate reports to XXXX, the company failed to properly investigate, failed to cease the activity, and continued attempting unauthorized drafts even after formal disputes were filed and bank restorations processed. 



Details : XXXX has repeatedly attempted to electronically draft funds from my locked Chase debit card in violation of the Electronic Fund Transfer Act ( XXXX XXXX XXXXXXXX et seq. ). 
XXXX obstructed the resolution process by forcing me to interact only with automated AI systems, denying access to a human representative unless falsely claiming a safety emergency. 
I submitted formal complaints to XXXX beginning XX/XX/year>, with no adequate response or corrective action. 
On XX/XX/year>, XXXX again attempted a {$32.00} fraudulent charge previously restored to me by Chase, along with additional unauthorized drafts still pending. 
The XXXX account in question is not in my name ( my name is XXXX XXXX, not XXXX XXXX, confirming a serious case of identity misuse and banking fraud. 



Violations Involved : Electronic Fund Transfer Act ( XXXX ) Unauthorized electronic drafts Fair Credit Billing Act Failure to properly investigate disputed charges Federal Trade Commission Act Unfair and deceptive practices Identity Theft and Assumption Deterrence Act Unauthorized use of personal information Relief Requested : Immediate regulatory investigation into XXXX XXXX XXXX XXXX handling of unauthorized charges and customer complaints. 
Enforcement action for willful violations of consumer protection and identity theft statutes.

Assurance of permanent removal of all unauthorized linkages to my banking information. 
Civil penalties and compliance orders against XXXX to reform internal fraud handling procedures. 
Restitution for any losses and damages incurred. 



Supporting Documentation Available : Bank Statements from Chase Bank Communications and Screenshots of XXXX XXXX XXXX Dispute Letters and Chase Investigations Identity Theft Affidavit Declaration : I affirm that this complaint is truthful to the best of my knowledge and request immediate action to prevent further harm to myself and other consumers similarly affected. 

Respectfully, XXXX XXXX [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have disputed payments in my pay pal account Ive had for years it was a crypto dispute I was unsure where it came from but quickly noticed it was a error me and the merchant of the dispute had came to a resolution no money was sent to me and merchant has money that was taken but my funds are still being held on pay pal with the account being closed for XXXX for no reason

Company response to consumer: Closed with explanation