vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-10 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: Unifin Inc.
State: CA

Complaint narrative:
Unifin Inc. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account XXXX XXXXXXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an XXXX Citi card in XXXX  with a XXXX XXXX credit limit. I have periodically been offered a limit increase. I have always clicked Not Interested. Today i went online to apply for an increase and received a message that since I had received an increase ( {$500.00} ) in XXXX, i am not eligible for another until XXXX. I did not apply for the XXXX increase. I did not ask for the XXXX increase. I was not informed by Citi that they had given me an increase. I need a larger increase today, not XXXX. My account is clean and paid up. They say too bad, i have to wait. They won't transfer me to US call center. No guarantee that would help.

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 2025-01-10 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: VA

Complaint narrative:
Account In Dispute : XXXX XXXX XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: AZ

Complaint narrative:
XXXX, XXXX and XXXX called my phone threatening a civil lawsuit for a debt from XXXX. When asked if I could have information or a debt validation letter they stated it would have to go to court first and that the debt was with US Bank. I contacted us bank they sold the debt in XXXX. But not to XXXX XXXX and XXXX. The rep stated if I paid {$1800.00} today it wouldn't go to court. If it went to court it would be double. I paid and then they sent documents that look fictitious. I filed for reversal on charges as started to feel this was scam.

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 2025-01-10 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date of Birth : XX/XX/year> SSN : XXXX To whom it may concern : Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; but have not provided a reasonable method of verification? 

I request for the third time that you provide the method of verification you used. Your response should provide : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days that included information as described in Section 611 ( a ) ( 6 ) ( B ) ( iii ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX : ACCOUNT NUMBER XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase is unwilling to provide reinstatement and details of charges they have been adding to the loan amount to me. I have asked numerous times and still do not have the paperwork. They refuse I am still trying to work with oregon HAF and provide the details they need to them but cant get them and Chase is still pushing to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
This is actually an addendum to the complaint I filed XX/XX/year>, # XXXX regarding a Paypal claim I filed. Would it be possible to merge this complaint into the previous one? 

Last week, XX/XX/XXXX, Paypal denied my claim for a refund stating that I was unable to provide sufficient proof that the item was sent back to the seller. This is an outrageous falsehood as I provided that proof to them multiple times. I filed an appeal, and again provided them with the proof of return and delivery, and today, XX/XX/XXXX, they once again denied my claim, this time shifting the goalpost and changing the reason for their denial : that " the dispute was submitted with insufficient information/documentation to support the claim and we were unable to obtain the required information/documentation after requesting it from you. '' They demanded I bring the item for an evaluation by an independent third-party AFTER I had already informed them that I sent the item back to the seller and that such an evaluation was not possible. They made this request XXXX times, and each time I responded I no longer had the item. Otherwise, I provided them with ample photographic evidence multiple times and explanations and testimonials and it seems all my evidence was ignored. Furthermore, as the buyer, I am the one who decides if a purchase is acceptable or not, not a third-party. What has become abundantly clear is that Paypal will make ANY excuse to justify NOT refunding my money and has now aided and abetted the seller in the theft of my money -- {$1500.00}. This is a crime! 

I did everything I was supposed to. I contacted the seller immediately after receipt of the item to inform them that the item was not as described and in unsatisfactory condition, and wished a refund -- all in accordance with their stated refund policy. The seller promptly blocked me without any discussion. I shipped the item back to the seller within XXXX days of receiving it, with tracking, and it was delivered XXXX days later. There is absolutely NO valid reason for Paypal to deny my claim, withhold my funds or refuse a refund at this point. It's clear that they did not thoroughly examine all the evidence. Their reasons are specious and arbitrary and their behavior is appalling and criminal. 

Where is their buyer protection? This is also false advertising on their part. 

If there is anything you can do to help recover my funds or in obtaining a refund, it would be most appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-10 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cre
dit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CT

Complaint narrative:
I GOT SCAMMED WITH A TRAVEL AGENCY. THEY PRENTED TO BOOK A FLIGHT FOR ME AND MY HUSBAND AND MY DAUTHER THEY PRENTED THEY WERE XXXX. I BOOKED THE FLIGHT ON XX/XX/year> FOR XX/XX/year> GOING TO XXXX, BEFORE I WAS ABOUT TO TRAVEL I CALLED THE AIRLINE REALIZE THAT CANCELLED OUR FLIGHTS RIGHT AFTER IT WAS BOOKED. WE HAD TO BOOK ANOTHER FLIGHTS TO GO TO THE RESORT. IT WAS XXXX XXXX I PROVIDED DISCOVER CREDIT CARD EVERYTHING I CAN PROVE THAT THAT COMPANY WAS A FRAUD THEY STILL THINK IT IS A VALID TRANSACTION.I WANTED TO LIKE PEOPLE KNOW THAT COMPANY IS A FRAUD. 
CALLED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
2 years ago money was sent to someone on Venmo that I did not approve. I reached out to Venmo and explained that I did not approve this transaction. The amount was for XXXX bucks or so. I cant remember now because my account was deleted. They said that I violated community standards and closed my account with no information as to how I did anything wrong. I really enjoyed using Venmo as its such an easy app to pay friends for small things. I would like an explanation as to why I am not allowed to use the app anymore and if there is anything that I can do to use it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter

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 2025-01-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX  XX/XX/XXXX I received a text saying XXXX : Do you recognize {$650.00} XXXX  XXXX on card XXXX? Reply Yes or No. STOP to stop msgs. I replied no, as I did not authorize this purchase. I havent used my XXXX card in nearly 2 years. I have reported this as fraud a total of 3 times since then and have been promised that this will be resolved. Today is XX/XX/XXXX, and I am still getting billed for this fraudulent purchase. Not only that, I am being charged late fees and my credit has plummeted. Wells Fargo has still not resolved this claim.

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 monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, TransUnion must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-10 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 am writing to dispute account on my credit report that were made without my sonsent. Accordin to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1 ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNT XXXX XXXX  account number XXXX

Company response to consumer: Closed with non-monetary relief