vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
on XXXX of 2025, my personal accounts, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX Paypal, XXXX, XXXX were compromised and wasn't able to access to my account, and there were unknown charges from each account. I contacted each company and the charges made were all refunded and I was able to gain access to all of my account after each company found that it was identity theft case. I contacted paypal and I wa sable to get refund and my paypal account XXXX which I have been using for over 25 years was closed. after my XXXX account is closed I reopened paypal account with XXXX. I had to create the broken invoices from previous XXXX as that account is closed. I logged in to XXXX paypal account and I saw the message that paypal want to check my idenity, so I provided my California Identity card and why I am using paypal. so I answered, to make purchase and sell testing product online. and after a week, I received a message from paypal that " We're no longer offering Paypal services for this account. based on the information we have today, this account was linked to another paypal account with unresolve issues. and your account has been permanently deactivated. if applicable, you're no longer eligible for paypal seller.

I am a victim of identity theift. and all the financial companies refunded transactions that happened by identity theft. wellsfargo refunded over {$3000.00}, and venmo also refunded {$2000.00}, XXXX and XXXX also canceled and refunded transaction. and XXXX and XXXX too. but paypal inc. is treating me as criminal. it's clear that my accounts were stolen at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE TRIED TO FIC THIS MATTER WITH EXPERIAN OVER 25 TIMES AND NOW I LOST {$600000.00} IN DEPOSIT MONEY DUE TO EXPERIAN NOT LOOKING INTO THE INVESTIGATION PROPERLY. I HAVE FILED LEGAL ACTIONS AGAINST EXPERIAN TODAY IN TX FEDERAL COURT SYSTEM. THIS ACCOUNT THATS ON MY EXPERIAN CREDIT FILE ( XXXX XXXX XXXX ) IT WAS OPENED IN XXXX XXXX WHICH THE PAPERWORK I SENT EXPERIAN HAS BEEN VERIFIED AND THE TRUTH AND ON THE POLICE REPORT IT STATES IT WAS VERIFIED I WASN'T EVEN IN THE COUNTRY WHEN THESE LOANS WERE TAKEN OUT. THEN THERE WAS 3 TOTAL OF LOANS FROM BANK OF AMERICA AND OPENED ALL IN ONE DAY AND THE OTHER TWO WERE DEEMED AS FRAUD AND BLOCKED BUT THIS ONE ACCOUNT KEEPS GETTING UNBLOCKED BUT XXXX XXXX  XXXX. WELL ON XX/XX/XXXX AT XXXX XXXX  XXXX  I TALKED TO XXXX XXXX IN THE DISPUTE AND TRADE LINE DEPARTMENT WITH XXXX XXXX XXXX AND HE STATED THERE ARE NOT REQUESTING XXXX  XXXX XXXX ACCOUNT TO BE UNBLOCKED, THE XXXX  XXXX XXXX ACCOUNT WAS BLOCKED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  BY XXXX XXXX XXXX  DEPARTMENT AND AT XXXX XXXX XXXXT ON XX/XX/XXXX IT WAS UNBLOCKED AGAIN. ITS HONESTLY CAN'T BE THE BANK BECAUSE THE BANK WAS CLOSED FROM WHEN THE ACCOUNT WAS BLOCKED ON XX/XX/XXXX TO BEING UNBLOCKED ON XX/XX/XXXX, THEN XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS NEVER REQUESTED THIS ACCOUNT TO BE UNBLOCKED, THEN XXXX FROM THE XXXX DEPARTMENT WITH XXXX  XXXX XXXX XXXX XXXX THREW UP RED FLAGS BECAUSE EXPERIAN KEEPS BLOCKING THIS FRAUD XXXX  XXXX XXXX ACCOUNT AND UNBLOCKING PER NO REQUEST BUT THE BANK. THEN XXXX STATED IT LOOKS LIKE EXPERIAN FURNISHER OR SOMEONE IN THE BANK OFFICE IS PERSONAL UNBLOCKING IT. THEN XXXX STATED PER THERE LEAGL TEAM IT LOOKS LIKE FRAUD ON EXPERIAN. NOW BXXXX XXXX XXXXXXXX IS REPORTING EXPERIAN TO CFPB FOR XXXX XXXX AND FTC TO HAVE EXPERIAN INVESTIGATED FOR TRADELINE BY USING A NAME THATS DOESNT BELONG TO EXPERIAN XXXX NOW THATS REALLY BAD WHEN XXXX XXXX XXXXXXXX REACHES OUT BECAUSE THEY SEE HOW MANY TIME A DOCUMENTED FRAUD ACCOUNT IS BEING BLOCKED AND UNBLOCKED AND THE BANK ISN'T REQUESTING IT. NOW THATS A BIG PROBLEM, HE HAS SENT ME BY CERIFTIED MAIL WITH SIGNATURE A PRINT OUT OF THIS TRADE LINE AND SHOWING ME EXPERIAN IS UNBLOCKING IT NOT XXXX  XXXX XXXX. THIS IS SO DISHONEST

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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Dont believe this is my debt I had someone steel my social security and address years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I got a letter saying that due to the XXXX XXXX XXXX the cc company had tried to contact me for months ( not true, looked in spam, etc ) and they had blocked my two accounts with them. They said if I logged in I would be prompted to update my personal information. I logged in and there was no prompt. I looked at my personal information, and it was fine. I wrote back and they kept saying the same thing, not answering. I had two accounts, one with a credit limit of around {$3000.00}, the other credit limit of {$15000.00}, which have XXXX balances. I got the first notice for the {$3000.00} limit account and finally just cancelled it because I couldn't get an answer. Next day I got the same message for the $ XXXX account, and went through the same process. No prompt, account is blocked. I wanted to keep this one open as I may need it some day. Status now is that it is blocked. After doing some internet study, I see that they have done this many times

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 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-03 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: VA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve 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 explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-03 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-03 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: GA

Complaint narrative:
Ive been through XXXX XXXX, and while I was being exploited, my personal and financial details were misused without my permission. This led to fraudulent accounts and debts being created in my name. Id appreciate it if you could look over my credit report considering this background and help fix any mistakes or fraudulent actions that have taken place. Ive included documents from the appropriate authorities and organizations that can confirm my 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 non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I am formally disputing inaccurate late payment remarks on my Equifax credit report. These false reports are negatively affecting my credit standing, and I demand an urgent reinvestigation. 

The following accounts are in question : 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 XXXX XXXX XXXXXXXX According to 15 U.S.C. 1666b, creditors are required to credit payments as of the date received. Yet, these accounts are showing late payments despite having a {$0.00} balance and no past due amount, which contradicts Equifaxs reporting. Furthermore, other credit bureaus have conducted reinvestigations and were unable to verify these late payments, resulting in corrections or deletions.

Under the FCRA, all reported data must be 100 % accurate and verifiable. If Equifax can not provide concrete documentation proving these late payments, they must be removed immediately. Failure to take corrective action will be regarded as willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, I went to open up a savings account at Chase on-line in the presence of the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I repeatedly got an error message stating to the effect " Oops something went wrong. Try again ''. The XXXX  advised me to retry twice. I did with the same result. He stated that no account was opened. But apparently XXXX accounts were opened as I learned the following day. It appears that this is a systemic issue. The opening of XXXX accounts unbeknownst to me constitutes a security risk. It also is fraudulent behavior and violates applicable banking and consumer protection laws. 
Additionally, I asked the XXXX  to address the problem and also called the company and asked it but they did not agree to fix the problem. The XXXX should be fined and forced to take corrective action In front of the aforesaid XXXX, the system kept timing out when it came to the Accept Disclosures portion. The system would not provide any time to read the disclosures and I was forced to accept without reading them. This It appears that this is a systemic issue. The company should be fined and forced to take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 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 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 XXXX XXXXXX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-03 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: HI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
This is regarding the transfer of my student loans from XXXX to Mohela, which occurred in XXXX. Upon the transfer, my loans were in forbearance with XXXX with a $ 0 monthly payment. I was never notified of the transfer and didn't become aware of it until I received a late payment notification on my credit report. 
Since XXXX, I have made multiple attempts to contact both XXXX and Mohela, providing supporting documentation that confirms my loans were in forbearance during this time. Unfortunately, I have yet to receive any response or assistance in resolving this discrepancy. 
Given that this issue has negatively impacted my credit report, I kindly request immediate attention to investigate the matter. I would appreciate confirmation of the loan transfer and for any late payment notations to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-03 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: AL

Complaint narrative:
Received 2 inaccurate and retaliatory mortgage statements for the month of XX/XX/XXXX that still has not been corrected to match the amount from my approved partial claim in an attempt to force me into default and foreclosure. The monthly payment amount is also reporting inaccurately to the credit bureaus. In addition to that, I am being erroneously reported as delinquent for XXXX of XXXX and XXXX of 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