vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This issue is with PayPal Credit and PayPal. On a dispute to receive a chargeback for items shipped by a shipping company during XXXX XXXX and returned to warehouse of seller XXXX XXXX I presented documentation from the shipper after being denied the first claim. They call it escalating it to a dispute. The amount was for XXXX. Soon after this the seller began sending documents to PayPal XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXX. The content of these documents was read to me by PayPal customer service. The seller wanted to concede the chargeback to myself the customer. PayPal customer service said they send that to PayPal Credit. After a month of making calls to both companies a teleconference call revealed that PayPal was withholding these documents. They also were withholding one of the 2 documents that I sent. The one with the warehouse signature at the time of return. Other concerning setting were being toggled like my payment preference. And curious changes to disputed case data that showed 1 open case and 1 closed case that was changed to 1 open case and no closed cases. As it stands now XXXXXXXX XXXX took the initiative and sent the XXXX back to PayPay without waiting for the case to close.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On multiple occasions and with the previous CFPB complaints, Truist has been requested to provide itemized information related to the fraudulent charges on account XXXX that they are refusing to credit in the amount of {$31000.00} that Truist alleges were outside the 60 days of the statement date. Request that before this complaint is closed that Truist provide the itemized by date of each fraudulent charge, amount of charge and date charge had to be reported to be within 60 days of the statement date for credit.

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: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I received an e-mail from the company saying I was past due, I already paid. I tried to call the company, but there is no way to make a payment or talk to a person to resolves 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX did not provide me a HIPAA release my medical information to them, therefore by providing such information they are violating my HIPAA rights.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

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: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I have called every time I received these letters and have talked to the fraud department and keep getting the run around. What I would like to know is if I am responsible for this amount. Once again I have not used this card in the last year and have not received any billing statements.

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 — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I've tried to close my account with venmo.com they refused saying my account is frozen. They also emailed me saying that I am required to send a picture of my ID and a picture of myself holding my ID in order to proceed with unfreezing my account. I don't want the account at all I just want it deleted.

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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 1681. 
Account name : XXXX XXXX XXXX opened XXXX XXXX, account name XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, account name : XXXX XXXX XXXX OPENED XX/XX/XXXX, account name : XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XX/XX/XXXX, account name : XXXX XXXX  XXXX XXXX, account name : XXXXXXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A SECTION 2 states a consumer report agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) section states : NO CONSUMER reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe

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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 1681. 
Account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, account name : XXXX XXXX XXXX OPENED XX/XX/XXXX, account name : XXXX XXXX XXXX XXXX opened XX/XX/XXXX, account name : XXXX XXXX XXXX opened XXXX XXXX, account name : XXXX XXXX XX/XX/XXXX, account name : XXXX XXXX XXXXXXXX XXXX, account name : XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A SECTION 2 states a consumer report agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) section states : NO CONSUMER reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft connected to the recent data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : 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  To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The data breach has caused me considerable distress and financial harm. I demand that XXXX take immediate action to block and permanently delete these fraudulent entries from my credit report. Additionally, I expect written confirmation that this information has been removed and an explanation of any findings related to your investigation. 
Should you fail to comply with this request, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant authorities to ensure that my rights are fully upheld under the law.

Please confirm receipt of this letter and provide a resolution within the timeframe required by federal law. Should you need further information, you may contact me at the contact information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft connected to the recent data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon receipt of notice and supporting documentation.

The accounts and inquiries in question include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The data breach has caused me considerable distress and financial harm. I demand that Experian take immediate action to block and permanently delete these fraudulent entries from my credit report. Additionally, I expect written confirmation that this information has been removed and an explanation of any findings related to your investigation. 
Should you fail to comply with this request, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant authorities to ensure that my rights are fully upheld under the law. 
Please confirm receipt of this letter and provide a resolution within the timeframe required by federal law. Should you need further information, you may contact me at the contact information above. 
Sincerely, XXXX XXXXXXXX XXXXXXXX Enclosures ID Proof of Address XXXX FTC

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: TN

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX XXXX I submitted a dispute to Equifax regarding inaccurate information on my credit report related to too old accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and collections ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) I provided supporting documentation, but as of today, I have not received any response or acknowledgment from Equifax regarding my dispute. 

I have made efforts to follow up but have not received any updates, resolutions, or communication explaining the delay. This lack of response is causing financial harm and affecting my ability to get approved for homes for my family and I. I am requesting immediate action to address this issue and confirm the resolution.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear XXXX Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both TransUnion and XXXX. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Amount : {$380.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXXXXXX 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 2025-01-27 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: MD

Complaint narrative:
I want reported accounts to be removed. 

XXXX XXXX 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: 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: NJ

Complaint narrative:
I discovered an unauthorized XXXX XXXX account was fraudulently opened in my name. After an investigation, XXXX confirmed the account was opened fraudulently, closed the account, and removed the balance. They also notified the national credit bureaus to remove the account from my credit report. 

However, despite this confirmation, TransUnion continues to report the account with negative remarks such as " charged off '' and " account closed by credit grantor. '' I have disputed this multiple times with TransUnion, providing them with documentation, including the official fraud confirmation letter from XXXX. Despite my efforts, the account remains on my report, negatively impacting my credit. 

Attached is the letter from XXXX confirming the fraud and their request to remove it from my credit report. 

Thank you for your prompt attention to this matter.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing because Im at my wits end with the errors on my report. These mistakes are dragging down my score, holding me back from opportunities, and causing unnecessary stress. Its exhausting to feel like my future is being limited by something so avoidable.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered inaccurate accounts on my credit report today, and Im unsure how they ended up there. I usually review my credit report without any issues, but this time, I noticed some discrepancies. I tried refreshing my browser in case it was a temporary error, but the incorrect accounts were still present. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure I no longer have to worry about this problem.

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