vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. A copy of the original documentation relied upon. The name, title, and contact information of the individual or entity that conducted the verification. pursuant to the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ), and under Section 605B of the FCRA ( 15 U.S. Code 1681c-2 ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section 611 ( a ) ( 7 ) of the FCRA ( 15 U.S. Code 1681i ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized Prepared Report Number 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist has repeatedly failed to process critical business transactions, blocking funds and causing severe financial harm to my company. Despite multiple calls and visits, my issue remains unresolved. Their system declines payments without justification, disconnects customer service calls, and refuses to provide timely resolutions. This has delayed essential business operations, risked vendor relationships, and caused undue stress. 
I demand immediate corrective action, a full explanation, and financial compensation for the harm caused. If this is not resolved immediately, I will pursue further legal 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 2025-03-20 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The disputed accounts were XXXX  Account XXXX and XXXX XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
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 2025-03-20 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:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXXI believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX & XXXX XXXX Original XXXX : XXXX  ) Account Number : XXXX Reason : Unverified account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Subject : Complaint Against LVNV Funding LLC Misrepresentation of Debt I am submitting a formal complaint against LVNV Funding LLC for misrepresenting a debt on my credit report. They are claiming to be the original creditor for an account that was originally with XXXX XXXX, which I believe is inaccurate and misleading. 

Details of the Complaint : Debt Amount : {$840.00} Original Creditor : XXXX XXXXXXXX Issue : LVNV Funding LLC is reporting themselves as the original creditor, which I believe is incorrect. They have not provided any valid documentation proving their ownership of the debt. 
Impact : This inaccurate reporting is negatively affecting my credit and financial well-being. 

I request an investigation into this matter and for LVNV Funding LLC to provide proper documentation proving their legal right to collect this debt. If they can not, I ask that this account be removed from my credit report. 

Please let me know the next steps regarding this complaint. I appreciate your assistance in ensuring fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MI

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 2025-03-20 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: MI

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 non-monetary relief
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
There are multiple collection accounts appearing on my credit report that do not belong to me. I discovered these inaccuracies while reviewing my credit report and immediately took steps to dispute them with the credit bureaus and the collection agencies involved.

Despite my disputes, these accounts remain on my report, negatively affecting my credit score and financial standing. I have never opened or authorized these accounts, and I am requesting that they be thoroughly investigated and removed as they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp.
State: IA

Complaint narrative:
I disputed said account and was approve and all type of collection should been seized, all type of communication also stop, I also told them they are not allowed to contact me. The purpose of their call was to collect a debit. Happened today XXXX XXXX XXXX XXXXXXXX they call you and hang up so you call them back not knowing who was it so they can be like oh you contact us etc. it's a tatic I'm seeing more and more, and when I call the person didn't disclose any information where I was calling till I gave my name etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TN

Complaint narrative:
Complainant : XXXX XXXX Subject : Unauthorized Hard Inquiries on Credit Report in Violation of FCRA To Whom It XXXX Concern, I am filing this formal complaint against the following companies for unauthorized credit inquiries on my credit report, which violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. These inquiries were made without my written consent or a permissible purpose as required by law. 

List of Unauthorized 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 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 Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, companies are only allowed to access a consumers credit report for specific permissible purposes, such as with written authorization or for a valid credit transaction. I did not authorize these inquiries, nor do they meet the criteria outlined in the statute. 

Furthermore, under XXXX XXXX. XXXX, if a credit reporting agency or furnisher violates the FCRA by allowing or failing to remove unauthorized inquiries, they XXXX be held liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorney fees. 

XXXX Requested : I demand the immediate removal of all unauthorized inquiries listed above. Additionally, I reserve my right to seek statutory damages of {$1000.00} per violation as permitted under XXXX XXXX. XXXX. 

Please investigate and resolve this matter promptly. I request written confirmation once these inquiries have been removed from my credit report. 
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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Complainant : XXXX XXXX Subject : Unauthorized Hard Inquiries on Credit Report in Violation of FCRA To Whom It XXXX Concern, I am filing this formal complaint against the following companies for unauthorized credit inquiries on my credit report, which violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. These inquiries were made without my written consent or a permissible purpose as required by law. 

List of Unauthorized 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 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 Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, companies are only allowed to access a consumers credit report for specific permissible purposes, such as with written authorization or for a valid credit transaction. I did not authorize these inquiries, nor do they meet the criteria outlined in the statute. 

Furthermore, under XXXX XXXX. XXXX, if a credit reporting agency or furnisher violates the FCRA by allowing or failing to remove unauthorized inquiries, they XXXX be held liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorney fees. 

XXXX Requested : I demand the immediate removal of all unauthorized inquiries listed above. Additionally, I reserve my right to seek statutory damages of {$1000.00} per violation as permitted under XXXX XXXX. XXXX. 

Please investigate and resolve this matter promptly. I request written confirmation once these inquiries have been removed from my credit report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 
I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
Subject : Formal Complaint Against PayPal for Wrongful Claim Denial & Deceptive Practices To Whom It May Concern, I am submitting this complaint against PayPal regarding their wrongful denial of my Significantly Not as Described ( SNAD ) claim, despite clear evidence that my issue falls under their Purchase Protection policy.

Issue Summary : I purchased an item through PayPal that was significantly different from its description and filed a claim under their Purchase Protection policy. PayPal wrongfully denied my claim, first on XX/XX/year>, and again on XX/XX/year>, after my appeal. They claimed that the seller accurately described the item, which is completely incorrect based on the evidence I provided. 

This process has taken over three months, and I am still without a refund for an item that does not match what I purchased. The amount in question is near {$200.00}, which is significant, and XXXX failure to resolve this in a timely manner has caused unnecessary frustration. 

Why This is Unfair & Violates PayPals Policies : 1. Failure to Follow Their Own Purchase Protection Policy PayPals policy states that items that are materially different from their description qualify for a refund. My claim clearly meets this standard.

2. Unjust Claim Denial Without Proper Review Despite submitting clear proof that the item was not as described, PayPal refused to properly review the case.

3. History of Deceptive Practices PayPal has a documented history of delaying cases and unfairly denying legitimate claims. Their handling of my case reflects an ongoing pattern of delaying refunds to avoid honoring buyer protection.

4. Unacceptable Delays PayPal took three months to process this claim, only to wrongfully deny it. This is an unreasonable delay and a clear failure to provide timely consumer protection.

Resolution Requested : I request that PayPal immediately refund me the full amount of near {$200.00} in accordance with their Purchase Protection policy.

I request that the CFPB investigate PayPal for unfair and deceptive practices in handling claims.

PayPal advertises buyer protection, yet they are failing to uphold it. Their unfair delays and wrongful denial of my claim are unacceptable. I ask the CFPB to hold them accountable and ensure they follow their own policies. 

Please advise on the next steps to resolve this matter. Thank you for your time and assistance.

Company response to consumer: Closed with explanation