vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Leading up to XX/XX/XXXX I was talking with someone online who had convinced me to help them send money for some antiques they were supposedly getting and needed to make a down payment on. I foolishly agreed to help and while they told me they had wired a transfer over it had not come in so they sent me a check to deposit and than send through PayPal. I got caught up in the strangeness of the situation and sent the money when it " deposited '' through my bank. After doing so it hit me how foolish it was and I did what I could to undo the action. I put a dispute in with PayPal and notified my bank of the potential fraudulent check. My bank has been helpful and I've since made a new account and am working on transferring all my assets and payments to the new account. PayPal however does not see anything wrong since it was through me and it doesn't have protection because I incorrectly put it through friends and family and not business which is protected. I have put in complaints but they told me to try and resolve it with the person I sent it to and has stopped responding to my complaints and won't let me file another claim as they view it as closed. I had messaged the person saying I think this was part of a scam but they replied no it's not and I'm now no longer able to send messages to them. I've cut off contact with the original scammer who I was messaging through telegram.The check I was sent has since bounced and I do not have the money in my account but PayPal is still trying to charge me and I believe that they will likely not stop and put a bad mark on my credit for not paying even tho they sent money before even taking it from me and are trying to take it out after the check has already been rejected. I'm seeing what I can do but PayPal seems unlikely to help me so I read online to report it to this organization. I have also already placed complaints with the ftc and XXXX. The closed case despute with PayPal is case number XXXX for transaction XXXX. I was not aware that money laundering had gotten so advanced and want to help others from falling for the same traps that I did. Ideally I'd like to prevent PayPal from marking my credit more than it already is but I am unsure of what else I can do to resolve it with them besides paying XXXX worth that I do not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Woke up XXXX morning to my cash apps were all closed. They told me I violated their standards I was asleep how can I violated it. My accounts were compromised obviously. They won't tell me what happened and they won't give me my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
On my credit report a debit from XXXX XXXX XXXX XXXX is showing up as Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX Individual Date Opened XX/XX/XXXX Balance {$670.00} Balance Updated XX/XX/XXXX I filed bankruptcy back in XXXX, they were listed on my paperwork for payment. They were notified of filing and didn't submit paperwork in my filing. It was removed at XXXX point and now it is back on my credit files.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Old account issues, hack and no contact before closed. Couldn't reach anyone. 

Block inc did not have any persons to be reached. I can not even access acct. 
The Consumer Financial Protection Bureau ( CFPB ) announced XXXX XXXX that it ordered Cash Apps parent company, Block, to pay a total of {$170.00} XXXX and fix its failures on fraud. The CFPB said in a statement that Block employed weak security protocols for Cash App and put its users at risk. Block directed users who had suffered financial losses as a result of fraud to ask their bank to attempt to reverse transactions, which Block would subsequently deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I see a collection on my credit report for almost XXXX XXXX dollars and I have no clue as to what it is for. I contacted the collecting agency and they refuse to tell me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
on my credit report of XXXX this debt I don't owe but it's showing up and on XXXX is not showing up so under the XXXX XXXX XXXX XXXX they must follow suit and remove this off my credit immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I had moved about XXXX years ago got a no causes eviction fine but we moved out by the XXXX they locked us out the account within a week than never heard from them again about a year later we got on r credit report a debit for XXXX dollars from a company that bought the debit from desert reality realtor but they never sent us a reason for these charges n to do so they have to first notify us of these charge per nv 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 2025-01-27 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: NV

Complaint narrative:
I had moved about two years ago got a no causes eviction fine but we moved out by the 30days they locked us out the account within a week than never heard from them again about a year later we got on r credit report a debit for XXXX dollars from a company that bought the debit from XXXXXXXX XXXX XXXX but they never sent us a reason for these charges n to do so they have to first notify us of these charge per nv law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
I contacted XXXX and XXXX XXXX at XXXX on XX/XX/year> at XXXX. The call lasted for XXXX and XXXX seconds. They have been calling several times a day everyday for the last XXXX weeks, including after XXXX and XXXX on weekends. When they answered they asked if my name was XXXX XXXX. I politely said yes. The woman I spoke to did not give me her name. She said that I had medical and that she needed me to verify my address, birthday, and phone number before she would tell me anything else. I then told her that, I already confirmed my name and that since they kept harassing me daily, that I would like their company to cease and desist all contact by phone, and that they could send all communications by mail. That I would like an itemized bill with the original debt with my signature sent to the address they had on file. She said she would stop the phone and refused to send me proof of this said debt that I owe. She then hung up on me. So now, I have no idea what the debt is or how much it is. I just know she said it was a medical bill. She was very unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-27 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-27 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: WI

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-27 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding multiple issues related to my credit report with the XXXX XXXX  credit bureaus : XXXX, Equifax, and XXXX. Over the past several years, I have been impacted by multiple data breaches, and I am experiencing errors on my credit report, including unauthorized inquiries and addresses that I have never resided at. 
All three of the above credit bureaus are reporting a erroneous information erroneous addresses and have also allowed erroneous inquiries on my credit file. 
Below is a summary of the breaches that have compromised my personal information : 1. Equifax Data Breach ( XXXX ) My Social Security number, birth date, and addresses were exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Exposed my personal data from XXXX XXXX, including passport numbers, addresses, and payment information. 

XXXX. XXXX XXXX XXXX ( XXXX ) My account was part of the XXXX XXXX compromised, with personal details such as my phone number, email address, and more exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) My personal data, including credit scores, credit limits, and Social Security numbers, was compromised. 

XXXX. XXXX XXXX XXXX ( XXXX ) Exposed my personal information, including my phone number and Social Security number. 

XXXX. XXXX XXXX XXXX ( XXXX ) My data was scraped, revealing personal information including my name, job title, and other professional details. 




In addition to these breaches, I have noticed unauthorized inquiries on my credit report and addresses listed where I have never lived. These errors may be the result of identity theft or fraud. Despite my attempts to resolve these issues with XXXX, Equifax, and XXXX, I continue to face difficulties and have seen no satisfactory resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate my complaints and provide assistance in addressing these ongoing issues. Specifically, I seek guidance on how to correct the unauthorized inquiries and incorrect addresses on my credit report, as well as steps I can take to further protect my identity and personal information. 
Here is a list of specific information that I want removed from my credit reports. The information is either incorrect or erroneous or both. 
Inquiry by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thank you for your attention to this matter. I look forward to your response and any assistance you can provide to help me resolve these issues. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I am a federally protected consumer and fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy as outlined in 15 USC 1681a ( 4 ). This dispute is directly by me, XXXX XXXX XXXX, and not by any third-party agency. I am addressing this matter to resolve the inaccuracies on my credit report privately and promptly. Upon reviewing my credit report, I identified an account that must be immediately deleted due to its inaccuracy. The account in question is XXXX XXXX, XXXX, with a date opened of XX/XX/year>. Experian has violated my consumer rights under 15 USC 1681b ( 2 ), which governs the permissible purposes of consumer reports. The law clearly states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. At no point did I provide written authorization or instructions for this information to be reported. By reporting this account, your agency has violated federal law, including the FCRA. Additionally, your agencys actions constitute aggravated identity theft, which has caused me significant emotional and reputational harm. This false reporting has defamed my character and directly impacted my ability to secure a mortgage, leaving my family in a dire financial situation.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Card keeps charging me interest and late fees and racking up my card. They told me the first late fee would be removed when I paid off my XXXX balance to XXXX. Long story short, they didn't do it and in a matter of months they have racked my credit bill up to XXXX all in fees and interest. It's unfair business practices, there are no purchases on this card at all and the previous balance is all late fees and previous intrest they keep racking up. I refuse to pay this bill and they need to be stopped from creating their own revenue unfairly.

Company response to consumer: Closed with explanation