vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I'm filing a complaint against Chase  for refusing to dispute charges from XXXX, XXXX, and XX/XX/XXXX related to XXXX XXXX. While recent disputes were accepted, these older ones were denied solely due to timing, despite this being a clear case of late discovery. 

XXXX XXXX is a proprietary trading firm that offers funded trading accounts to customers who pass their simulated challenges. I paid them over {$10000.00}, just from XXXX  credit card, for access to these accounts trusting their system would allow me to earn based on skill and performance. 

Instead, they falsely accused me of violations on XXXX separate occasions, backing those claims with incorrect, fabricated data. After I provided my own trade records TAKEN FROM THEIR OWN DATA PLATFORM, XXXX admitted their errors via email and apologized. Despite this, they consistently weakened my accounts, removed my profits unfairly, and ultimately closed all my active accounts immediately after I filed my first dispute with Chase which I believe was retaliation. 

I have received no financial return from this company, only deception and proven misconduct. This is a pattern, not an isolated mistake. I had only realized this in XX/XX/XXXX after being deceived for the final time I can bear. 

The attached documents show XXXX fabricating false numbers to justify their actions on my accounts that included deducted profits. Being it happened XXXX  times, I believe XXXX has always manipulated my accounts since XX/XX/XXXX to prevent me from making any financial returns. I have made financial returns countless times using these accounts from other merchants and believe to be scammed of XXXX  since XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Transunion ] RE : IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT Dear Sir or Madam, I am writing to formally demand the immediate removal of fraudulent accounts from my credit report, which were opened without my authorization as a result of identity theft. 
I acknowledge that credit reporting agencies are tasked with maintaining accurate and up-to-date information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). However, under the law, it is irrelevant whether or not the information is " verifiable '' in cases of identity theft. The criminal responsible for this fraudulent activity has gained unauthorized access to my personal data and is using it to open accounts in my name. As such, the information on my credit report is inaccurate and must be removed in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

I would like to make it clear that the existence of fraudulent accounts on my report is not a matter of " dispute '' or " verification '' under standard credit reporting procedures. Given that the accounts were opened through the illegal use of my personal information, their inclusion on my credit report is a direct violation of my rights. As such, I demand the immediate removal of the following : 1. All fraudulent accounts that have been opened without my consent.

2. A written confirmation from your office indicating that these accounts have been fully removed from my credit report.

3. A comprehensive investigation into this matter, as per FCRA 1681i, and the completion of that investigation within 30 days.

To substantiate my claim, I have enclosed the following documents : 1. A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), 2. A copy of the police report detailing the fraudulent accounts, 3. A copy of my government-issued ID, 4. A copy of a recent utility bill or bank statement verifying my address.

Please understand that the criminal misuse of my identity is a matter of great urgency. I am requesting that these fraudulent accounts be removed from my credit report, regardless of the ability to " verify '' them, as the underlying causeidentity theftis indisputable. Failure to comply with this request within the statutory 30-day timeframe will constitute a violation of the FCRA and may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further remedies.

I expect prompt and thorough action to resolve this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was in an automobile accident on XX/XX/XXXX in XXXX, NC. at XXXX XXXX  at XXXX XXXX XXXX. XXXX XXXX, XXXX, NC. The XXXX XXXX Police Department responded, and XXXX XXXX XXXX # XXXX filed the same on Report # XXXX. There was also a criminal incident report filed with the same reference number. 

The above-mentioned incident was written and signed by XXXX XXXX quoting XXXX " On XX/XX/XXXX, officers located a stolen vehicle and arrested the suspect driver. The incident occurred in the XXXX block of XXXX XXXX. XXXX XXXX ''. XXXX XXXX also states, and I quote, " Vehicle 1, a stolen vehicle, ran the red light and hit Vehicle 2. The driver and occupants of Vehicle 1 then fled into the woods where Driver 1 was eventually taken into custody ''. 

The driver of Vehicle 1, XXXX XXXX XXXX, ( NCDL # XXXX ) ; ( Date of Birth XX/XX/XXXX ) is still currently being detained and awaiting trial on XX/XX/XXXX for multiple charges. The State of North Carolina File Number for your reference is State of NC vs XXXX XXXX ; Complaint No. : XXXX ; n and Case No. : XXXX. 

There have been multiple attempts to settle and resolve this matter. Today is day 224 ( or 7 months and 14 days ) since the accident. Over the past seven months, the immediate and total loss of our main vehicle has caused severe hardship. Not only financially, but in time, lost wages, loss of job, ruined credit score, and a loan that is continuing to reflect a bad debt/charge off/ as of today, XX/XX/XXXX. 

XXXX XXXX told me to contact the City of XXXX Risk Management Department that they would take care of it because of the stolen vehicle and the XXXX XXXX Police Department " No-Chase Policy ''. The City of XXXX has denied liability. 

With that being said, I turned it in on my insurance with XXXX XXXX as an underinsured/uninsured motorist coverage. 

I need help. I need my life back the way it was before the convicted felon ruined mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AK

Complaint narrative:
Subject : Dispute of Information Furnishing and Obtaining Consent ( 15 USC 1681 ) Dear Sir/Madam, I am writing to dispute the information that has been furnished by your bureau regarding my credit report. I have reviewed my credit report, and I believe that my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, have been violated in relation to my personal information. Specifically, I am disputing the unauthorized furnishing and obtaining of my personal information as I did not give written consent for the sharing or obtaining of such information. 
Under 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under specific conditions, and one of those conditions is that the consumer must give written consent, or the furnishing must be made for a permissible purpose. I, the undersigned, have not provided written consent for your bureau to obtain or share my personal information in any manner, nor have I authorized any third party to act on my behalf for the purpose of obtaining this information. 
I request that you immediately investigate this matter and provide me with evidence of written consent authorizing the sharing or obtaining of my information, in compliance with the FCRA. If such consent can not be provided, I request that you remove any inaccurate or unauthorized information that has been reported or obtained without my explicit written consent. 

Please be advised that under the FCRA, you are required to conduct an investigation within 30 days from the receipt of this letter and provide me with the results of the investigation. If you are unable to verify the legitimacy of the information in question, I request that you remove the disputed entry from my credit file. 

If you need any additional information from me, please do not hesitate to contact me directly. 
Thank you for your attention to this matter. I expect a prompt resolution to this dispute. 
Sincerely, 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 2025-04-07 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX South Carolina, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity. 
- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2025-04-07 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 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 2025-04-07 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I paid off a handbag using Paypal goods and services. It was my first time dealing with this seller so I felt comfortable that I had Paypal to back me in case something happened or I get scammed. Upon completion of sending the funds to the seller, she shipped the bag to me. Once I received the bag, the bag was damaged with wear on all the corners that was not disclosed to me. The bag was not excellent condition. As I received the bag, I reached out to seller to try to resolve this one on one. After over a month of messages back and forth she still hadn't given me a label to send bag back to her for a full refund. I then reached out to Paypal to file claims for the payments i had sent to the seller. Now current date, I receive a notification and an email from Paypal stating they will no longer allow me to use Paypal on a permanent basis. What a bunch of hypocrisy! What is the point of having a goods and service or buyer protection if they are not going to be upheld to it? Now they are saying I am permanently limited and that funds could be held for 180 days. Are you serious? This is a huge disruption in my life and causing undo stress. I want paypal to tell me exactly what policy portion I did not adhere to and give me full access back to my account. At least until my claims are completed and I have my refund. They are also imposing a high tier fee to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding your continued attempt to collect on a debt that is not only fraudulent, but has never been validated or verified in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

You are reporting a collection account on behalf of XXXX XXXX XXXX in the amount of {$3400.00} under my name. I have never applied for, signed for, lived at, or authorized anyone to use my personal information to lease any unit from that property. I informed your office in writing that my identity had been compromised and that this was a case of identity theft. 

Despite my notice and request for debt validation, you have failed to provide : A copy of any signed lease agreement bearing my signature Verification of residence or utility records Legal documentation substantiating the debt You are in violation of FDCPA 809 for failing to cease collection efforts while the debt is in dispute, and FCRA 623 for furnishing data to the credit bureaus that has not been verified or authenticated.

Your continued reporting and collection efforts constitute : Negligent and/or willful non-compliance Consumer rights violations Emotional and financial harm, due to damage to my credit report

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 2025-04-07 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding your continued attempt to collect on a debt that is not only fraudulent, but has never been validated or verified in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

You are reporting a collection account on behalf of XXXX XXXX XXXX in the amount of {$3400.00} under my name. I have never applied for, signed for, lived at, or authorized anyone to use my personal information to lease any unit from that property. I informed your office in writing that my identity had been compromised and that this was a case of identity theft. 

Despite my notice and request for debt validation, you have failed to provide : A copy of any signed lease agreement bearing my signature Verification of residence or utility records Legal documentation substantiating the debt You are in violation of FDCPA 809 for failing to cease collection efforts while the debt is in dispute, and FCRA 623 for furnishing data to the credit bureaus that has not been verified or authenticated. 

Your continued reporting and collection efforts constitute : Negligent and/or willful non-compliance Consumer rights violations Emotional and financial harm, due to damage to my credit report

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 2025-04-07 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-04-07 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: FL

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 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$100.00} Charged off XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$6400.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief