vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized XXXX  data breach at your institution, which resulted in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. 

The fraudulent accounts that need immediate removal from my credit report are as follows : XXXX XXXX Account Number : XXXX, Balance : {$6000.00} XXXX XXXX Account Number : XXXX, Balance : {$3500.00} Additionally, I have XXXX accounts reporting under XXXX XXXX XXXX XXXX for the same account, XXXX of which reflects an available credit balance of {$240.00} with a minimum balance of {$54.00}. I demand the immediate removal of the XXXX XXXX XXXX XXXX account showing an available credit balance of {$240.00}, as it is the duplicate. The other XXXX XXXX XXXX XXXX account, which is showing a XXXX balance, should remain on my credit report. 

These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable.

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are clear, non-negotiable, and demand your immediate attention.

Final Demand for Resolution This issue arises directly from your failure to adequately protect consumer data during the XXXX  breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the 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 2025-03-19 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 submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized XXXX  data breach at your institution, which resulted in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. 

The fraudulent accounts that need immediate removal from my credit report are as follows : XXXX XXXX Account Number : XXXX, Balance : {$6000.00} XXXX XXXX Account Number : XXXX, Balance : {$3500.00} Additionally, I have XXXX accounts reporting under XXXX XXXX XXXX XXXX for the same account, XXXX of which reflects an available credit balance of {$240.00} with a minimum balance of {$54.00}. I demand the immediate removal of the XXXX XXXX XXXX XXXX account showing an available credit balance of {$240.00}, as it is the duplicate. The other XXXX XXXX XXXX XXXX account, which is showing a XXXX balance, should remain on my credit report. 

These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable.

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are clear, non-negotiable, and demand your immediate attention.

Final Demand for Resolution This issue arises directly from your failure to adequately protect consumer data during the XXXX  breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On the XXXX I tried to use my card at a local gas station. It didn't work so I called TD bank? They told me they suspected fraud and when I told them it was me trying to use the card they unblocked it. Days later when I tried to used my card to deposit in my brokerage to make a trade my card didn't work causing me to lose out on not making the trade. Today I've come to find out they closed my card after I spoke with them without any notifications from the bank. I have not withdrawn and cash for several months and do not have any money to my name. I use public transportation to get around and to work.they have told me it will be several days before I receive a new card due to their error. The person at the bank whom I spoke to is not even sure why they closed my card when I spoke with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
I am writing to formally dispute an inaccurate item on my credit report. The XXXX XXXX XXXX account showing a balance of {$29000.00} is incorrect. This account was paid off and closed years ago, yet it popped up today on my report with an outstanding balance. I request that this error be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XXXX XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX NJ , the note for the vehicle was held with Ally bank. 
Knowing that I had a payment due on XX/XX/XXXX I paid the monthly amount of {$750.00} through my XXXX XXXX online. XXXX issued paper check XXXX XXXX. Because Ally Bank never issued a bill, neither paper nor email, I had XXXX send the check to the headquarters for Ally Bank in the United States, XXXX XXXX XXXX, XXXX, MI XXXX. 
Starting around XXXX XX/XX/XXXX I received harassing texts and emails daily from Ally Bank saying that my note was past due. 

On XXXX XX/XX/XXXX XXXX XXXX  provided an electronic copy of the deposited check with a deposit stamp on the back of the check from Ally Bank dated XXXX XX/XX/XXXX, and was able to confirm the check was cashed on XXXX XX/XX/XXXX. 

Rather than risk damage to my credit made a second payment for XXXX to Ally Bank and paid for XXXX. 

After numerous denials from Ally Bank that they never received the check on XXXX XX/XX/XXXX Ally agreed to establish case Number XXXX. 

On XXXX XX/XX/XXXX, called the bank to try and find out if the Case had found the check and if the money could be returned to me. After being on the phone for 30 minutes Ally Bank informed me, the check had not been cashed, which is a lie. 

Note : In XXXX XXXX we sold the car because of the horrific experience we had with the both XXXX XXXX and Ally Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is inaccurately reporting multiple accounts included and discharged in my XXXX XXXX XXXX  case ( # XXXX ) filed on XX/XX/XXXX and discharged on XX/XX/XXXX. Despite providing proof of discharge ( Docket # XXXX, XXXX record ) and the list of accounts included in the bankruptcy ( Schedule E/F ), Experian continues to report accounts as " charge-off, '' " collection, '' or " past due, '' violating multiple consumer protection laws, including : FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ) : Failure to ensure maximum accuracy, to conduct a reasonable investigation, and to update or correct post-bankruptcy reporting.

FCRA 1681c ( a ) ( 1 ) : Reporting obsolete or discharged debts improperly.

FCRA 1681b ( f ) : Reporting information for non-permissible purposes.

UDAAP ( 12 U.S.C. 5536 ) : Engaging in deceptive, unfair, or abusive acts and practices.

11 U.S.C. 524 ( a ) ( 2 ) : Violation of the bankruptcy discharge injunction by enabling post-discharge collection through credit reporting. 

Accounts in violation include : XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 loans )

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 2025-03-19 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: KS

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
In XX/XX/year>, a fraudulent transaction occurred on my account, resulting in a charge of {$860.00} for a purchase I never received. Initially, PayPal took the case and we exchanged receipts. However, without requesting any further information from me and only XXXX photos from the vendor, they later made their decision, siding with the seller and ending the opportunity for the refund amount. I have strong reason to believe that PayPal did not conduct a proper investigation, as there are multiple legal documents and petitions proving that this transaction was fraudulent. The seller engaged in a bait-and-switch scam, falsely claiming that I was aware of certain stipulationsdespite the fact that the transaction was never made through an online order, and no policies were outlined on the invoice. Adding to the suspicious nature of this transaction, the fraudulent vendor was operating out of XXXX using an account that did not match the businesss actual name. PayPal is not even a valid payment method in XXXX, yet the business in question, operating under the name XXXX XXXX, was still able to process the payment. This raises serious concerns about PayPals enforcement of its own policies and its apparent support of vendors engaging in fraudulent activities. I am seeking a thorough and fair investigation into this matter, as the handling of my case thus far has been both unjust and deeply concerning. 


You all also did not provide me with information on how to appeal this decision. It is hidden on the site or users are not able to see this petition option on their page. There is a legal case against this individual due to the heinous nature of this issue. Paypal has no regard for their loyal customers. We were never asked for more information nor feedback before closing the case in the *fradulent* user 's defense. I have legal proof as well. Paypal is incredibly wrong. 

I also wasnt able to petition other items in the order that also had issues. Paypal prevented me from filing another petition based on other issues within the same order. This is a form of preventing the customer from having rights and is misleading as the original petition does not have to do with the other items in the same order. Why ask for specific items in the order if you can only petition XXXX time for the whole order. Paypal is commiting a clear case of bait and switch based on what's going on here. 

The individual 's name is actually not XXXX and the fact that Paypal is still defending illegal activity on their platform is a disgrace to American citizens and their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Never received a 1099-C after the vehicle was sold. The balance of {$7400.00} is still remaining as owed on my credit report, but the vehicle was sold at an auction. I have tried to file disputes with credit agencies, the XXXX major agencies, and none will remove it. I would like for it removed from my report. I did a voluntary surrender due to unable to afford because problem after problem kept popping up with the vehicle and when I finally called to surrender it, the power steering was going out and I had it less than a year. I was going to end up putting more money into the car than the actual value of the car. When I purchased it from the dealership, the owner stated it was a clean title, which somehow, he got it to be that way because searching records, it was totaled out in another state and salvaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MA

Complaint narrative:
There are unauthorized inquiries from your company on my credit report that I never consented to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Syncom or Synergetic Communications began to contact me through text messages on XX/XX/year> to which I never consented nor do I have any signed contracts with or through them. 

Syncom or Synergetic Communications has never sent me a letter as required regarding alleged debt that I have XXXX knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an overage check dated XX/XX/year> and was informed, I then contacted the Wells Fargo bank to inform them the check was in my deceased husband 's name and to please reissue the check into my name and I was told to fax the copy of the check with my explanation to reissue in my name and I faxed that on XX/XX/year>. They advised I would receive the new check within XXXX  days. 
I did not receive the check in XXXX  days. I contacted Wells Fargo again, and was it was reissued and give XXXX  days, then I contacted them again and was told give them XXXX  days, and today I contacted them and asked for a definitive date and was now told to give them XXXX  days and today is now XX/XX/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 2025-03-19 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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