vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am submitting this complaint against Experian due to its continued reporting of a fraudulent and materially inaccurate account from XXXX XXXX ( Account No. XXXX ), despite having submitted a complete identity theft package that satisfies the legal requirements under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I provided : A valid FTC Identity Theft Report, My government-issued ID and proof of address, A signed affidavit denying authorization of the account.

Despite this, Experian failed to block the account within 4 business days and continues to report it as valid. Furthermore, the account is reported with factually incorrect data and inter-bureau inconsistencies, violating FCRA 1681e ( b ). For example : The balance, payment history, and status of this account are reported differently across the three credit bureaus ; The account appears as valid and active, misrepresenting it as if I had authorized it ; No signed agreement or permissible purpose has been disclosed to support this reporting.

Experian also failed to provide the method of verification, which is required under 1681i ( a ) ( 7 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The information on my credit report is in accurate and information on the dispute and investigation was not sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX  Current Address : XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, Missouri XXXX Date : XX/XX/year> To : Citi Credit Cards [ Address If you have one for their correspondence, insert here ] Subject : Follow-up Regarding Disputed Account and Request for IRS Form 1099-C Dear Sir or Madam, I am writing to follow up on an issue I have previously brought to your attention regarding an account that you claim I held with Citi Credit Cards. In your response, you stated that a reply had been sent to me regarding my dispute. However, to date, I have not received any such correspondence.

I continue to dispute the validity of the alleged account, as I have no record or knowledge of ever having held any account with Citi Credit Cards. Despite this, my credit report reflects that the account was charged off. Upon contacting the Internal Revenue Service ( IRS ), I was informed that Citi reported this charge-off and is seeking a tax write-off for the amount allegedly owed.

According to the Internal Revenue Code, if a creditor cancels a debt of {$600.00} or more, the creditor is required to issue IRS Form 1099-C, Cancellation of Debt, to both the IRS and the debtor. This requirement is outlined under 26 U.S. Code 6050P.

26 U.S. Code 6050P - " Any applicable entity which discharges ( in whole or in part ) the indebtedness of any person during any calendar year shall make a return ... showing the name, address, and TIN of each person whose indebtedness was discharged ... and the amount of the indebtedness discharged. '' Failure to issue this form as required may result in penalties under 26 U.S. Code 6721, which addresses failure to file correct information returns. The penalties can range from {$60.00} to {$310.00} per return not properly filed, depending on how late the form is issued, with a maximum annual penalty that can reach up to {>= $1,000,000} for large entities.

Therefore, I formally request that you provide me with a copy of the IRS Form 1099-C related to this alleged debt. Please send this documentation to the following address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, Missouri XXXX Should you fail to provide this information within a reasonable timeframe, I reserve the right to pursue further remedies, including filing complaints with the IRS, the Consumer Financial Protection Bureau ( CFPB ), and any other appropriate regulatory agencies. 

Sincerely, 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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On Sunday, XX/XX/year>, I logged into a PayPal Business account I manage for a registered 501 ( c ) ( 3 ) charity. To my shock, I discovered that my personal XXXX Visa credit card was linked to the charitys account. I did not authorize this, nor did I ever enter that card information into the charitys PayPal profile.

I immediately called PayPal customer service. I hung up on the first representative due to a lack of clarity. The second representative told me the issue would be escalated and could take up to two weeks to resolve.

After this call, I logged into my personal PayPal account and found the charitys bank account linked there again, something I never authorized or input. The only common thread between these accounts is the phone number used to verify them.

This is not a case of user error. I did not manually add my personal credit card to the charity 's account, nor did I add the charity 's bank account to my personal PayPal wallet. This appears to be a critical flaw in PayPal 's backend programming, where accounts are being linked without explicit authorization due to shared contact information.

This is unacceptable. PayPal must investigate and resolve this issue immediately. It raises serious concerns about the security and separation of business and personal accounts especially when dealing with sensitive nonprofit financial information.

I expect swift action, full clarification of how this happened, and immediate separation of the two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XXXX has restricted my ability to withdraw cryptocurrency from my account without providing a clear reason or timeline. I attempted to transfer out XXXX  I legally own, and shortly after informing them of my intent to liquidate and leave the platform, they locked my account completely. 

I contacted support and was told my account is under review, but no one can tell me why or how long the review will take. This is unacceptable, especially as this is my legally purchased crypto and hard-earned money. 

I have provided all necessary verification and have not been informed of any violations. XXXX is now withholding my funds without a transparent or legal basis. 

Case ID from XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Urgent Request for Assistance Regarding Debt I am writing to formally report the abusive practices I have been enduring from a debt collector, which I believe are in violation of the Fair Debt Collection Practices Act ( FDCPA ). As a XXXX woman living on a fixed income from Social Security, I XXXX XXXX in a vulnerable position, especially after being ill for the past XXXX years. 

Despite my health struggles, I have been subjected to relentless harassment from debt XXXX. I receive repeated phone calls that not only disrupt my daily life but also exacerbate my anxiety. Recently, a female representative came to my home today XX/XX/year>, claiming that I was being sued by Bank of America. This unexpected visit was not only intimidating but also left me feeling threatened and powerless for XXXX. 

I do not have the health or the financial means to contest these claims or to deal with the stress that this situation brings. I am reaching out to you in hopes that our government officials can intervene and put an end to this harassment. It is critical that the rights of consumers, especially those who are elderly and vulnerable, are protected from such predatory practices.

I urge you to take this matter seriously and to help ensure that debt collectors adhere to the laws designed to protect individuals like myself from undue stress and intimidation. Your assistance in addressing this issue and holding these creditors accountable would mean the world to me and many others facing similar circumstances. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 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 convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Equifax for unlawfully reinserting an account into my credit report without proper notice or verification, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in question, XXXX XXXX XXXX XXXXXXXX ), was originally reported in XX/XX/XXXX and deleted in XX/XX/XXXX. Upon reviewing my most recent Equifax credit report, I discovered that this account had been reinserted without my knowledge, consent, or the required legal notice. 

Equifax failed to provide the written notice required within five business days, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Furthermore, they failed to obtain and provide verifiable evidence from the data furnisher to justify the reinsertion, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). This action also constitutes a breach of 15 U.S.C. 1681e ( b ) for failing to ensure the maximum possible accuracy of the information being reported. 

I am requesting the immediate deletion of this unlawfully reinserted account, copies of any documentation used to justify the reinsertion, written confirmation of its removal, and an updated copy of my corrected credit report. Additionally, I am seeking damages for Equifaxs willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. I respectfully urge the CFPB to investigate this matter and take appropriate enforcement action against Equifax for these violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 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 convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 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 convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation