vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
At XXXX on XXXX XX/XX/year>, I start seeing {$25.00} transactions on my card to " XXXX. '' XXXX such charges came through a couple of minutes apart. 

I called the toll free number on the card. 

First of all, that number is too small to read without a magnifying glass, even with perfect vision. 

Paypal Only have LIVE STAFF FROM XXXX. 

The automated system does not recognize the word " XXXX. '' Or " hacked account. '' Once the system IDed me by number, it UNLOCKED THE CARD THAT HAD AUTOMATICALLY LOCKED WHEN IT SAW REPEAT CHARGES. 

I had to go online and struggle through an " AI '' that was worthless and could not dispute a transaction. 

Again, there are no live operators available from XXXX to XXXX, which is incautious and unprofessional. This is dangerous to customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Hello to who it may concern, My Name is XXXX XXXX XXXX I Am currently XXXX  and have been so for some time/ at the XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX I am currently enrolled in a XXXX  XXXX  XXXX  here at the facility to grasp the true understanding of Building wealth and a positive credit profile / While being enrolled in the program I had the opportunity to have my credit report pulled and I see I have XXXX closed accounts along with some soft and hard credit Inqurires/ I am reaching out because I did not open these accounts or make any inquires in regards to opening up and New Accounts I have been incarcerated Since XXXX of 2017 and did not apply for nor did I open any Lines of credit or obtain any credit Cards and would like for these negative Items that are impacting my credit profile to please be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
Subject : Formal Complaint Against Experian for Failing to Remove Deleted Accounts from Credit Report To Whom It XXXX Concern, I am filing a formal complaint against Experian for failing to remove accounts from my credit report despite confirming in writing that they have been deleted. 

Background of the Issue : I disputed XXXX accounts on my credit report with Experian, specifically the following : Account # XXXX : {$670.00} Account # XXXX : {$500.00} Account # XXXX : {$1300.00} After conducting their investigation, Experian sent me official notification stating that these accounts had been deleted from my credit report. 
However, despite this confirmation, these accounts still remain on my credit report, negatively impacting my XXXX XXXX. 
I contacted Experian by phone to request that they properly remove the accounts, but they refused to take any corrective action and failed to provide a valid explanation. 
Violation of My Consumer Rights : Experians failure to properly update my credit report after confirming that these accounts were deleted is a violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA : Credit bureaus must conduct a proper investigation of disputes and accurately update credit reports. 
If an account is deleted as a result of a dispute, it must be permanently removed from my report and no longer appear in any credit assessments. 
Requested Resolution : XXXX removal of the XXXX accounts from my credit report, as Experian has already confirmed they should no longer be there. 
An investigation into XXXX failure to uphold its legal obligation to properly update my credit report. 
A written response from Experian and confirmation of the removal of these accounts. 
CFPB oversight to ensure Experian complies with the Fair Credit Reporting Act. 
This issue is causing ongoing damage to my credit profile, and Experians negligence is preventing me from having an accurate credit report. I request that the CFPB take immediate action to hold Experian accountable and ensure they rectify this issue without further delay. 

Please confirm receipt of this complaint and provide me with updates on the status of your investigation. I appreciate your prompt attention to this matter. 

Sincerely,

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I got scammed out panda buy delivery for XXXX $ and they only gave me XXXX $ back they deleted the account and had to make a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
This will be the third case that I have submitted here. ( The following inquiry is unauthorized : Creditor : Bank XXXX XXXX Inquiry Date : XX/XX/year> ) Experian nor XXXX  XXXX XXXX have provided myself NO proof I initiated such inquiry, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE this authorized inquiry from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.Attach are copies of the letters that I sent out XXXX twice by mail and a copy of the second case that I submitted through CFPB, asking them to remove this inquiry. Experian and Bank XXXX XXXX have broken the laws ( the codes that they have have broken are below under the FAIR CREDIT REPORTING ACT ) I demand this get removed ASAP also I need to be compensating for my time, the affect that this has take on my credit, being unable to buy a home and continue to pay a high rent, the torment of having to go through this and the sleep that I have lost for months since the end of XX/XX/year>. {$5000.00} would be a good start. Again no proof has been shown through the CFPB nor by mail when I submitted the dispute to remove the inquiry at the start of this extremely long journey. I DID NOT AUTHORIZE ANYONE OR ANY COMPANY TO RUN MY CREDIT IN ANY SHAPE OR FORM *after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete* WHY HAS THIS NOT BEEN DELETED. 


According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2025-01-30 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Wells Fargo failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX I spoke to Managers in branch to resolve these overdrawn issues due to a random person who bought items from me paying me through checks I even asked the XXXX if i should cash the other ones she said yes to see if they process and now my account is negative a lot of money and it is being closed the only bank account i actually have. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

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 2025-01-30 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 am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> I filed a claim with Chase Credit Card XXXX based on an accident I had with a rental car. According to their terms of card use, I would get reimbursed for any damage to the rental car. There was damage and the reason I submitted a claim. XXXX, I received an approval letter stating they approved the claim and that a check would be sent to my address in the amount of {$2100.00}. To this date, I have not received payment and my claim indicates closed and that I was paid. I have tried repeatedly to acquire information and speak directly to the underwriter, XXXX XXXX  Co to no avail. Chase said they can not contact them directly and they are unwilling to provide me with any contact information. The only way I can contact XXXX  XXXX is through an on-line standard contact form letter. I have sent this form numerous times asking for someone to contact me and a month has gone by with no response. Chase and XXXX XXXX Co are in breach of the terms of my credit card and neither Chase or Virginia are willing to contact me directly. I am seeking payment of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received notification from Wells Fargo about insufficient funds in a checking account on Tues, XX/XX/XXXX, XXXX and the notification gave a grace period til XXXX the next day to cure the balance, which I did immediately upon receiving the notification via Wells Fargo XXXX XXXX transfer funds option by moving funds from my Regions checking account to the Wells Fargo account XXXX Tue, XX/XX/XXXX, XXXX. Therefore, Wells Fargo had knowledge and reason to allow the 'grace period ' that was offered and appropriately handle the XXXX XXXX that was coming in. However, what Wells Fargo can not do is to offer a grace period to cure the balance and also to return the XXXX payment as insufficient funds. They can't do both. The funds were available in my Wells Fargo account within the offered grace period and the XXXX payment should have not been reported as insufficient funds.

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
have been locked out of my Credit Karma Money account, where my IRS tax refund was deposited. I have had this account for nearly XXXX years with no login issues, but as soon as I received a large deposit, Credit Karma suddenly required identity verification using my old phone number, which I no longer have access to. 

I have contacted Credit Karma multiple times via phone and live chat but have received no resolution. I provided my expired state ID along with my temporary state-issued ID ( which is valid and official ), but Credit Karma XXXX XXXX verify my identity through any other means, including answering security questions. 

Their customer service repeatedly transfers me to a XXXX team, but no one actually helps. I even waited almost XXXX hours in chat without getting a real solution. I asked what would happen to my money if I closed my account, and they refused to provide a clear answer. 

I am currently XXXX and unemployed, and this is my only source of income. Credit Karma is effectively holding my money XXXX. I am requesting the CFPB to investigate Credit Karmas handling of account access and verification issues, as this is causing serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IN

Complaint narrative:
In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and 1 Inquirie : XXXX XXXX XX/XX/2025 has violated my rights. XXXX5 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-01-30 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX 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 2025-01-30 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:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally file a complaint against Experian regarding its failure to properly investigate multiple disputes I have submitted related to inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my repeated attempts to communicate and provide evidence supporting my claims, Experian has consistently responded within 24 hours stating that the accounts in question are accurate. These responses lacked sufficient evidence of a thorough investigation into my disputes, thereby failing to comply with the FCRAs mandate for reasonable investigations. In addition to violating the FCRA, I believe that Experian 's practices may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue has been underscored by the CFPB in recent administrative proceedings, which scrutinize the adequacy of investigations conducted by consumer reporting agencies. These are the following accounts XXXX XXXX XXXX  ( reported twice on credit report ) XXXX XXXXXXXX XXXX XXXX ( reported twice on credit report ) 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