vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account has been suspended 4 times now for what XXXX  can not give me a reason for. I have been asked to verify my identity 4 times, change my password 4 times and deal with what they call their " account specialists team '', only through email. Who choose to reply to my inquiries, generally, around XXXX multiple days after I email them. Every attempt I have made to actually speak with a member of this " account specialist team '', in a live, real-time conversation has been given a response of " they only converse through email. '' I have {$240.00} in my XXXX  account, yet I can not transfer it to a debit card because the " SYSTEM '' will not let me add one. I can not instant transfer to my bank account because the " SYSTEM '' will not let me. I can not send the funds to another person because the " SYSTEM '' will not let me. Every representative and supervisor tells me that they are not able to override the " SYSTEM ''. This " SYSTEM '' is apparently blocking me from accessing my funds and not only are the representatives unable to fix it, they can not even tell me WHY it is happening. They tell me that there are no issues or restrictions with my account. However, there clearly are. They then instruct me to " try again in a little bit. '' Then I wait a, " little bit '', and attempt to try adding my card or transferring the money again, and it suspends my account for too many failed attempts. I am furious

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/year> XXXX XXXX Dispute Department One XXXX XXXX, XXXX,XX/XX/XXXX, NJ XXXX Subject : Dispute of Account [ XXXX ] Request for Removal Dear XXXX XX/XX/XXXX Dispute Department , I am writing to formally dispute the accuracy of account [ XXXX ] as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must ensure that all information they report is accurate and follows reasonable procedures to maintain maximum possible accuracy. 

Upon reviewing my credit report, I found that this account contains inaccurate and unverifiable information, which is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
hard inquiry appeared on my account on XX/XX/XXXX from Capitol one. I did not apply for any new credit cards or financial assistance of any kind

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 a victim of identity theft. " XXXX XXXX '' was opened on XX/XX/XXXX and has a {$11000.00} balance on it as of XX/XX/XXXX. " XXXX XXXX XXXX  '' was opened on XX/XX/XXXX and has a balance of {$450.00} as of XX/XX/XXXX. " XXXX XXXX '' was opened on XX/XX/XXXX with a balance of {$13000.00} as of XX/XX/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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I had funds that I recently put in my account taken from me through a app where my information was stored in their system. I have tried contacting the merchant but I havent gotten in contact or nobody has reached out. I told my bank that I did not authorize the said transactions and I would like to get to the bottom of it but the bank was no help and gave me no proof of me approving transactions. Now I am going through more security errors with the same bank a MONTH later. Please help I have a small business and I needed those funds to pay my crew. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law. 
In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that TransUnion take immediate action to investigate and remove this late payment from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-13 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: OH

Complaint narrative:
I PREVIOUSLY FILED CFPB COMPLAINT XXXX I DISAGREE WITH THE RESULTS THIS IS A VERY STRESSFUL TIME FOR ME AND IS CAUSING GREAT STRESS. PURSUANT TO FCRA XXXX I REQUEST A REINVESTIGATION WITH STRICT PROOF METHOD OF VERIFICATION THE CONTESTED ITEMS 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: VA

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 2025-02-13 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: SC

Complaint narrative:
Ive sent hardcopies of police report IDs. They just updated the report when it clearly shows fraud activity on my credit report world finance farmers furniture are charge off. remove XXXX XXXX XXXX remove date of birth XX/XX/year>. Its inaccurate. I I was working in XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX call someone was filing unemployment in my name in XXXX while I was working in XXXX XXXX when she returned, they left the.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I was the victim of a robbery in XXXX, XXXX, where my personal belongings, including my phone, were stolen. The perpetrators gained unauthorized access to my Coinbase account and initiated fraudulent transactions. 

On XX/XX/year>, the fraudsters sold several of my XXXX on Coinbase and transferred {$5000.00} from my XXXX XXXX account to Coinbase. I became aware of this unauthorized transaction on XX/XX/year>. 

I have taken the following steps : XXXX. Filed police reports about the incident and unauthorized transactions. 
XXXX. Contacted Coinbase multiple times, submitting verification using my passport. 
XXXX. Requested reimbursement from Coinbase for the unauthorized transactions. 

Despite these efforts, Coinbase has not provided adequate support or resolution. They claim that transactions on their ledger are final and have not taken steps to reimburse me or address the security breach. 

I am filing this complaint due to Coinbase 's lack of security measures and their failure to assist me in resolving this fraudulent activity on my account. Their inaction has resulted in significant financial losses and emotional distress. 

I request that the CFPB investigate Coinbase 's security practices and their handling of unauthorized transactions, with the goal of recovering my funds and preventing similar incidents for other consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at a personal installment deposit account opened at XXXX, XXXX on XX/XX/2023 with a balance of {$100.00}. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-13 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investinvestigation of dispute information or my credit report despite leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against experian alleging, systematic issues such as failing to forward customer provided evidence to furnishers accepting unreliable responses Im failing to adequately notify customers of dispute outcomes these failures aligned with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided on causing going harm to my credit I am requesting immediate corrective action to remove or amend disputed items as experian in action, violates federal law and my rights as a consumer

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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I financed a car in XXXX XXXXXX/XX/year> and they claim I owe {$18000.00} which could be impossible because I had the car for two years and a have which makes no sense because at that price of collection, that means I never made a payment, which is untrue

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 2025-02-13 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: KY

Complaint narrative:
In XXXX I assume US Bank was doing an audit of their records and did not show flood insurance on my home equity line of credit. They proceeded to force place flood insurance on my HELOC. I had to hire a surveyor during XXXX which was impossible to find, they did a flood elevation report on my home. The surveyors dad passed away during this time also which was even more delays with his business. Regardless I applied for a XXXX and received it from XXXX and presented it to the Bank and their insurance company. US Bank had me in a AB flood zone and I was actually in a X flood zone, which means I was not required to even have flood insurance. Meanwhile I call every couple of weeks and speak to their insurance department at XXXX. My loan number is XXXX. I also had been paying inflated amounts of interest on this too. They have waived a couple of the charges I was to get refunded for but from my calculations we still have XXXX that is still owed to me. Not including the interest I have paid. The dates I am showing they still owe me for are XX/XX/XXXX in the amount of XXXX and the most recent was on XX/XX/XXXX which is XXXX. I do desperately need to get this resolved business is not good and I need to refinance.

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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX. I had an ongoing dispute against Bridgecrest Financial. I reviewed my account with Bridgecrest Financial on their app yesterday to find out they have not been taking out my car note payments biweekly per my request. They did not take out any payments since XXXX. I had budgeted for them to take out {$350.00} biweekly. They claimed payment was returned by my financial institution. My bank is very diligent when it comes to my account. They always notify me if theres an issue with transactions via email or by phone. I didnt receive any correspondence regarding issues with Bridgecrest Financial. Now they have added an additional {$2500.00} to my account. The car has approximately XXXX miles on it and all payments made thus far have not been applied to the account. So they have been receiving free money for XXXX months blocking me from getting a brand new car because they have ruined my credit tremendously. I have no options on getting out of this vehicle because the XXXX XXXX book offer now is at {$9000.00} and Bridgecrest still have my account sitting at {$55000.00} where it was at the time of purchase in XXXX. I do not understand why they are still in business with this type of practice bleeding consumers like myself dry under the impression they we are only working for them and that we have no other obligations. Any other company that practice this type of behavior with consumers would have been shut down a long time ago. Please stop allowing this company take advantage of good consumers like me. Meanwhile, I will continue to pray to XXXX that Bridgecrest Financial be removed from business and that I get a better deal with the next car I purchase. Trust me it will not be financed through Bridgecrest Financial period. If you have any questions or concerns please feel free to contact me at XXXX or email at XXXX. Thanking you in advance for your assistance. 


Sincerely, XXXX XXXX XXXX consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-13 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:
My identity was stolen. Someone has used my m name, birthday, and social to open fraudulent accounts and inquiries. This is really affecting me to be able to get a home, a car, loans etc. I didnt give authorization to open the accounts

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