vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The amounts shown and owed on my credit report are not accurate and may be a result of fraud or identity breach. I have received letters from companies that have informed me that my information may have been breached or compromised. If so I would like for it to being removed from my credit report as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
The amounts shown and owed on my credit report are not accurate and may be a result of fraud or identity breach. I have received letters from companies that have informed me that my information may have been breached or compromised. If so I would like for it to being removed from my credit report as soon as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/year>, I received a call from a No Caller ID number. The caller claimed to be a police officer and told me I needed to send money via XXXX to avoid legal consequences. He said I can either send the money to pay off the bond ( civil ) then go to the XXXX police department to talk about the case to avoid going through the courts or I can turn myself in to jail for 72 hours ( criminal ). He said if I showed up to the department and tried to talk to someone they would run a check on my name and immediately arrest me due to my warrant so this would be the best way to handle it. He said his name was XXXX XXXX XXXX of XXXX Ky police. Believing this to be a legitimate request, and due to myself being a KY real estate licensee and wanting to avoid getting any sort of charges on me so I don't lose my license, I sent {$1300.00} through XXXX. 
I went to the station and waited 30 minutes for him outside, he said after I sent the money I could go to the station so we can handle this. He said he would come out to meet me and walk me inside. He never showed. As soon as I realized I was scammed, I immediately contacted PNC Bank while the transaction was still pending. They told me I had to wait until the transaction posted before disputing it. I also filed a police report about the fraud. 

I am formally requesting a fraud dispute under Regulation E, which protects consumers from unauthorized electronic fund transfers made under deception or coercion. PNC has not yet provided assistance or initiated an investigation into recovering my stolen funds. 

I am seeking a full refund of the {$1300.00} that I lost due to this scam. I have supporting documentation, including my police report, and I am requesting that PNC properly investigate this fraud case. I can get the police report copy if needed. 

My police report case number is XXXX for : Forgery, counterfeit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Everytime I call and try to figure out what is going on with my account they dont give me answer but wait for the letter I did what they asked me to get a number under my name and get it registered and still they tell me to wait for the letter and they give me attitude on the phone and then they hang up on me when I just want to fix this so I can get access to the money my parents gave me for my siblings

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 2025-04-04 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXXATA 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has continued to report negative standing to all credit bureaus in the amount of {$4500.00} on all credit bureaus. attached is Experian with a continued until XX/XX/year> date and {$32000.00} also with a continued until XXXX XXXX has exceeded 7 year limitation in CA

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 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I used Zelle to send payments for child support. I made Payments of {$150.00} and {$200.00} for child support and at the time never received a notification about sending the money to the wrong accounts. The money was sent and I was never able to retrieve the money back. I lost about three child support payments in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I believe that PayPal should follow the EFTA and Regulation E regarding unauthorized purchases made using my PayPal debit card, which I had reported lost/stolen. Instead, PayPal relied on its " Purchase Protection '' policy and denied my request for a refund. 
On XX/XX/year>, I saw email notifications of transactions made with my PayPal debit card - that I did not make. I immediately reported the card lost/stolen. I also logged into my PayPal account and flagged the transactions. The transaction IDs are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is true that I had made similar purchases previously from the XXXXXXXX XXXX  App Store, there were several in-app charges for over {$100.00}, which is way beyond any purchases I have ever made. I had at least XXXX different conversations with PayPal representatives, and I explained the situation. Each of the purchases was from XXXX XXXX and used the PayPal debit card that I cancelled later the same day. PayPal states no refund would issue because " it couldnt be covered under PayPal Purchase Protection, '' but they admit that section does NOT APPLY : " If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from the Purchase Protection program, and is described below under Liability for Unauthorized Transactions and Other Errors. '' Regulation E of the EFTA applies to PayPal ; 12 CFR Part 1005, Subpart A, particularly section 1005.6 ( b ) ( 1 ), which states : If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers Here, timely notice was given. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a several collections accounts : XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  XXXX XXXX account number XXXXXXXX XXXX  XXXX account number XXXX, XXXX account number XXXX and XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX SYS account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXG account number XXXX. XXXX XXXX Inquiries : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect personal addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX PA XXXX and Fraudulent DOB : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 Complaints 3 reports filed XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a several collections accounts : XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX  XXXX XXXX account number XXXXXXXX XXXX  XXXX account number XXXX, XXXX account number XXXX and XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX SYS account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXG account number XXXX. XXXX XXXX Inquiries : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Incorrect personal addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX PA XXXX and Fraudulent DOB : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 Complaints 3 reports filed XXXX as proof from the US 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 2025-04-03 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am filing this complaint against Discover Bank for reporting inaccurate and harmful information on my credit file that has not been verified despite formal disputes. 

I submitted a legally compliant dispute to the credit bureaus requesting verification of the Discover account ( ending in XXXX ), which is being reported as closed with a {$0.00} balance but still shows up negatively on my credit report. Discover Bank has not provided documentation verifying the accuracy of this accounts reporting. 

Under FCRA Sections 602, 605, and 611, Discover must verify any disputed account or have it removed. Their continued failure to validate the debt or correct the issue is a violation of federal law. 

I am not asking for the account to be corrected. I am demanding its full deletion from all credit bureaus due to lack of verification and ongoing damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-04-03 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: PA

Complaint narrative:
I recently contacted Equifax in reference to identity theft the fraudulent account XXXX XXXX XXXX XXXX Account number. XXXX. opened XXXX XXXX is a fraudulent account and is still reporting on my Equifax credit report

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

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I am writing to formally dispute an item listed on my credit report regarding an alleged outstanding balance from XXXX XXXX XXXX. 

The charge in question relates to a device that I purchased under a monthly installment agreement. I later requested that all devices on my personal XXXX XXXX XXXX account be transferred to a business account under my name. While other devices were properly transferred, one device was mistakenly removed from the installment plan due to an XXXX XXXX XXXX employees error. 

XXXX & XXXX then billed me for the full remaining balance of the devicedespite no agreement or consent from me to modify or terminate the installment plan. I have contacted XXXX XXXX XXXX  multiple times in an attempt to resolve this issue, but the company has failed to correct the mistake. 

I am disputing this collection on the grounds that : I did not authorize or agree to the removal of the installment plan. 
The original contract was altered without my consent. 
I attempted to resolve the matter directly with XXXX XXXX XXXX, but they were unwilling or unable to correct their mistake, after talking to MULTIPLE people trying to fix the issue. 
This charge is inaccurate and unfairly impacts my credit. I request that you investigate this matter and remove or mark this account as disputed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please let me know if you require any supporting documentation, and I will be happy to provide it.

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 2025-04-04 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: NC

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-04-04 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: NC

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-04-03 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: CT

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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