vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Credentials associated with a XXXX debit card ( ending in XXXX ) were fraudulently obtained and exploited to initiate a substantial volume of unauthorized transactions over several months, totaling almost {$8400.00} through the PayPal platform. 

Details of Unauthorized Transactions : Upon reviewing our XXXX XXXX statements, we discovered that our account ( ending XXXX ) was subject to thousands of unauthorized withdrawals. These withdrawals occurred with high frequency and were for small, recurring amounts. To illustrate, on XX/XX/year>, XXXX small ( {$2.00} ) repeated withdrawals were processed in a single day by what appears to be a single user. 

Given the nature, volume, and frequency of these transactions, we believe that PayPal, which asserts its commitment to fraud detection and prevention, should have flagged this unusual activity as potentially fraudulent. No notification was sent to us or to XXXX, and no action was taken to prevent continued unauthorized access to our account, which we consider a lapse in PayPals duty to monitor and secure the platform against suspicious activity. According to standard principles of fiduciary responsibility and risk management, PayPal has a fundamental obligation to prevent misuse of its platform, especially when transactions follow a pattern consistent with fraudulent behavior. Federal and state regulations mandate that platforms such as PayPal utilize fraud detection software responsibly to protect consumers and act to limit fraudulent activity. Given these obligations, the lack of action from PayPal to detect and alert either us or our financial institution, XXXX XXXX, constitutes a breach of its stated policies and regulatory requirements. The substantial amount of {$8400.00} and the extent of unauthorized activity further underscore the responsibility of PayPal to reimburse the amount fraudulently withdrawn. We are prepared to provide a comprehensive list of all unauthorized transactions as reflected in our monthly XXXX statements. Additionally, we consent to XXXX providing any necessary account information to facilitate an investigation and resolution on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} Late Payment : XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NJ

Complaint narrative:
This company is providing an inaccurate information in my credit report. 
I had a Hard Inquiry from XXXXXXXX XXXX on XX/XX/year> I contact the company who provided this hard inquiry and they send a letter responding my answers. 
This hard inquiry is turn into a soft inquiry, but the bureau agency Experian havent change my information violating my rights under 15 U.S.C 1681s 2 ( A ) ( 1 ).

I leave the letter below so you guys can identify the proof of my dispute.

Thank 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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( mailing address as im homeless ) XXXX XX/XX/year> Truist Financial Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Request for Charge-Off Reversal or Relief Due to Financial Hardship Dear Truist Executive Customer Relations Team, I am writing to formally request urgent assistance with a charge-off of {$2000.00} applied to my account, which has left me with a negative balance of {$1600.00} and a remaining balance owed of {$1300.00}. This charge has created severe financial hardship, especially as I am currently homeless and living in my vehicle. This situation has jeopardized my ability to cover essential living expenses. 

Upon contacting your customer service department, I was informed that no reversal or relief was available. Given the severity of my current circumstances, I am reaching out to respectfully request that Truist reconsider this decision. Specifically, I am asking for a reversal of the charge-off or, alternatively, a significant reduction in the amount owed to help bring my account to a manageable balance. 

This situation has created extraordinary challenges, and I am hopeful that Truist will work with me to resolve this issue. If a complete reversal is not possible, I kindly request consideration of a hardship payment plan that would allow me to gradually repay the remaining balance with reduced or suspended fees. 

Please let me know if there are any additional documents I can provide to further support my request. I am also open to discussing any other options Truist may have available for individuals facing severe financial hardship.

Thank you for considering my situation. I am hopeful for a positive resolution and would appreciate any assistance you can provide during this challenging time. 

Sincerely, XXXX XXXX Account 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 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). 

Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount.

2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges.

3. Any documentation showing your legal right to collect on this debt.

In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately.

Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$1600.00}

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 2024-11-12 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
We filed a fraud claim on XX/XX/XXXX with USBank after my identity was stolen and we were alerted to charges on our checking account that we did not make through XXXX. Our bank issued a provisional credit to our account of {$670.00} to cover the fraudulent charge pending their investigation. 
We received a letter from the bank on XX/XX/XXXX stating that their investigation found that we received benefit from the fraudulent transaction either by receiving services and/or merchandise. We did not receive any services or products and can prove that the product in question was never shipped by the company. As such, after their denial of our claim, the bank has now reversed the provisional credit from our account and we are now over drafting our account. We live paycheck to paycheck and this is greatly affecting our ability to pay for our living expenses. 
We have sent the documents stating that this product was never shipped to us to the fax number that was given to us by the Fraud Protection representatives at the bank, sent on XX/XX/XXXX. We have also made daily phone calls to this department starting XX/XX/XXXX through XX/XX/XXXX requesting updates on review of these documents and have also requested phone calls back to us each time we call. They state they have placed a call back to us but there was no answer on our end. No voice mail had been left for us to call back to. Each time we place a request, we are told it will take 24-48 hours to hear back, but to date, we have not spoken to an investigator as requested.

It seems to us that they are assuming we are guilty but we have no recourse in which to prove innocence. 
There is no phone number that we can reach someone directly who is doing the investigation of our claim and the fraud representatives seem to only be able to enter requests. 
We have also attempted multiple times to reach the company the fraudulent charge was placed with on XXXX and they have not replied to messages. I have placed a case with XXXX as well but have not heard back. 
We need help to resolve this issue and be reimbursed for this fraud that occurred on our account with US Bank.

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 2024-11-12 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: MO

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and I am requesting that all fraudulent accounts and inquiries associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts were impacted by the breach : XXXX. XXXX XXXX Account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$3000.00}. 
XXXX. XXXX Account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-12 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$13000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX ***************** {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief