vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington XXXX DC XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( FCRA 605B ) To Whom It May Concern, I am writing to formally request the immediate removal of fraudulent accounts and inquiries from my credit reports under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ). As a documented victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of my claim. 

The following accounts and inquiries were opened or made fraudulently using my identity and must be permanently deleted within four ( 4 ) business days as mandated by law : Fraudulent Inquiries ( Must Be Removed Immediately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Accounts & Collections ( Must Be Deleted Immediately ) : XXXX ( # XXXX ) {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX  ) {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX ( # XXXX ) {$550.00} XXXX XXXX XXXX ( # XXXX ) {$2500.00} XXXX XXXX XXXX ( # XXXX ) {$58.00} Fraudulent Addresses ( Must Be Removed Immediately ) : XXXX XXXX, XXXX XXXX, IN XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Under FCRA Section 605B, credit reporting agencies must block and remove all fraudulent information within four ( 4 ) business days of receiving a valid request, which I have provided along with my FTC Identity Theft Report. 

Failure to comply with this legal obligation will result in a formal complaint with the Federal Trade Commission ( FTC ), the Attorney Generals Office, and possible legal action for non-compliance with consumer protection laws.

I expect written confirmation that these fraudulent accounts, inquiries, and addresses have been removed permanently within four ( 4 ) business days. Please send confirmation to the address or email listed above. 

Sincerely, XXXX XXXX XXXX FTC Identity Theft Report XXXX XXXXXXXX ( Attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington XXXX DC XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( FCRA 605B ) To Whom It May Concern, I am writing to formally request the immediate removal of fraudulent accounts and inquiries from my credit reports under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ). As a documented victim of identity theft, I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as proof of my claim. 

The following accounts and inquiries were opened or made fraudulently using my identity and must be permanently deleted within four ( 4 ) business days as mandated by law : Fraudulent Inquiries ( Must Be Removed Immediately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Accounts & Collections ( Must Be Deleted Immediately ) : XXXX ( # XXXX ) {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX  ) {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX ( # XXXX ) {$550.00} XXXX XXXX XXXX ( # XXXX ) {$2500.00} XXXX XXXX XXXX ( # XXXX ) {$58.00} Fraudulent Addresses ( Must Be Removed Immediately ) : XXXX XXXX, XXXX XXXX, IN XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Under FCRA Section 605B, credit reporting agencies must block and remove all fraudulent information within four ( 4 ) business days of receiving a valid request, which I have provided along with my FTC Identity Theft Report. 

Failure to comply with this legal obligation will result in a formal complaint with the Federal Trade Commission ( FTC ), the Attorney Generals Office, and possible legal action for non-compliance with consumer protection laws.

I expect written confirmation that these fraudulent accounts, inquiries, and addresses have been removed permanently within four ( 4 ) business days. Please send confirmation to the address or email listed above. 

Sincerely, XXXX XXXX XXXX FTC Identity Theft Report XXXX XXXXXXXX ( Attached )

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have wrote multiple dispute letters to XXXX after I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, imnediately : Well Fargo Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have tried to reach out to each creditor to dispute each balance and information thats being reported before it was considered a charge off, and then XXXX multiply times but I was unsuccessful so now Im reaching out to the CFPB to resolve this problem for me.

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 2025-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
In XX/XX/XXXX I booked and flew an itinerary on XXXX XXXX. At checkout, I chose to sign up for Paypal Credit, a line of credit underwritten by Synchrony Bank, and charged the full purchase to that account. XXXX XXXX policy allows passengers to book an extra seat which is refunded after travel. I applied for this refund on XX/XX/XXXX and XXXX responded promptly, refunding the amount of the extra seat ( {$700.00} ). 

I am writing because Paypal Credit has still not applied this refund to my account nearly 3 months later. I wrote to Sychrony Bank XXXX Paypal Credit and was told that they could to nothing and to contact Paypal. I submit a complaint through Paypal 's Resolution Center for " refund not received '' and was denied. I re-submitted the complaint with more information and was denied again. XXXX XXXX provided helpful documentation in the form of transaction receipts from their POS showing the refund as of XX/XX/XXXX. 

This is unacceptable and I assume illegal in some way. XXXX has sent my money to Paypal, or to Paypal Credit. They are withholding the refund from me and denying all requests to rectify the error.

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 2025-03-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As a victim of identity theft and the Data breach, I have identified the following accounts as fraudulent.

Under federal law, you are required to block and remove these accounts within four business days of receiving this request AS THIS ISSUE IS HURTING MY FAMILY FROM HAVING A HOME AND JOBS FOR MYSELF Fraudulent Accounts for Immediate Removal The following accounts were fraudulently opened or contain inaccurate negative reporting due to identity theft and must be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal address is incorrect. I was a victim of ID Theft due to a data breach. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX please remove all additional address

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 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I received this fraudulent message : You have requested new number to be attached to your XXXX XXXX. Was not you? Please call XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account without providing a detailed reason. They claimed the decision was based on alleged fraud trends and mismatched identity information. However, I have provided accurate and matching identification information, including my name, social security number, and other details.

I used PayPals invoice service and purchased shipping labels directly from PayPal to ship a high-value item worth {$1500.00}. During transit, USPS admitted tampering occurred, and the buyer received the item damaged. The buyer received insurance compensation from USPS, which I did not request. Despite this, PayPal permanently limited my account and threatened me with fees beyond the original transaction amount. 

I requested PayPal to provide me with detailed information about the alleged fraud activity and allow me to appeal their decision. They refused to give me any details and stated the decision was final. Additionally, PayPal is holding my balance for 120 days, which is causing me severe financial hardship and mental stress due to ongoing health issues. 

I am requesting immediate access to my funds and for PayPal to provide me a proper explanation of their actions. I also request that PayPal stops any attempt to charge me fees beyond the original transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: V and H Portfolio
State: CA

Complaint narrative:
I am submitting this formal complaint regarding the validation of alleged financial obligations and improper identification practices in clear violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Specifically, I received documentation purporting to demonstrate that I authorized or acknowledged a financial obligation. Upon review, I discovered glaring inaccuracies : the birthdate listed is incorrect, and the associated address is one at which I have never resided, nor had any legal or practical connection. Clearly, the entity has provided false, inaccurate, and misleading identification data, failing their obligation under the FCRA 611 to maintain accuracy and under the FDCPA 809 ( b ) to properly validate alleged debts. This gross oversight and clear negligence suggest possible identity confusion or identity theft, a serious breach of consumer protection standards. I am deeply troubled by the careless handling of my personal identifying information, and I firmly assert that this alleged obligation is unsupported by accurate or valid documentation. Therefore, I request an immediate investigation into this matter, correction or deletion of this erroneous information, and provision of any and all documentation the entity possesses linking me to this obligation. There is no identification. Nor proof of identity. This is simply a name with a different birthday and no picture ID. This is someone with a similar name, and I want this information removed from my credit report unless I am provided with visual identification. I am not. I further request confirmation of compliance with federal laws mandating accurate and thorough validation of debts and personal identifying information. I anticipate your prompt action to rectify this clear violation of my consumer rights and protections as set forth by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kaman & Cusimano, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX in violation trying to sue me for an old debt that was involved chapter XXXX bankruptcy back in XXXX XXXX XXXX years ago they continue to threaten, Harass and bully me and my husband they went as far as getting us parking citation in our own driveway, We went to court, and it was dismissed. They are trying to sue me for $ XXXX only owed {$1100.00} XXXX back in XX/XX/XXXX it was paid during my chapter XXXX bankruptcy and I am not paying it. I have included the current payment thats due now and XXXX law firm that are trying to collect debt on HOA fees. The following debt collector are Kaman & Cusimano and XXXX XXXX and a current XXXX XXXX XXXX XXXXXXXX that was issued today XX/XX/XXXX Ive called them several times you will only get an operator they will only take your message. The property XXXX will never return your phone calls. XXXX has been several property managers in the last XXXX but In Tennessee XXXX an HOA has 6 years from the effective date of a lien to initiate foreclosure proceedings to collect on a XXXX bill, after which the lien becomes unenforceable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: WA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-29 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: WA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-29 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: FL

Complaint narrative:
XXXX XXXX RESPONDED TO MY LAST DISPUTE WITH A STALL LETTER, IM THE ONE, I AM ME, THEIR IS NO ONE DOING THIS DISPUTE FOR ME. STOP WITH THE STALL LETTER AND NOW DO A REINVESTIGATION ON THE ACCOUNT, THE ONLY THING XXXX  XXXX IS DOING IS ADD MORE VIOLATIONS AND I WILL ENFORCE THEM THATS A PROMISE. HERE THIS THE DISPUTE : Request for Information on Consumer Rights Dear [ XXXX  XXXX ], I am reaching out with a sense of urgency and determination regarding my consumer rights. I understand that this account is currently marked as charged off, but it is imperative that I obtain specific information to fully understand my rights and obligations. I kindly request your assistance in providing answers to the following critical questions : XXXX. Date Opened : When was this account initially established? XXXX. High Credit : What is the highest amount charged on this account? XXXX Credit Limit : What was the original credit limit assigned to this account? XXXX. Date Last Reported to Credit Bureaus : When was this account last reported to the credit bureaus? XXXX. Date When Charged Off : On what date was this account officially charged off? XXXX. Date Last Active : When was the last activity recorded on this account? 7. Date of Last Payment : What is the date of the most recent payment made on this account? 8. Two-Year Payment History Reported to the Credit Bureaus : 9. Can you provide the payment history for the past two years as reported? Your prompt response to these inquiries is not only appreciated but essential for my understanding of my consumer rights and the implications of this account status. Thank you for your attention to this matter. Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved

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 2025-03-29 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: FL

Complaint narrative:
XXXX XXXX RESPONDED TO MY LAST DISPUTE WITH A STALL LETTER, IM THE ONE, I AM ME, THEIR IS NO ONE DOING THIS DISPUTE FOR ME. STOP WITH THE STALL LETTER AND NOW DO A REINVESTIGATION ON THE ACCOUNT, THE ONLY THING XXXX  XXXX IS DOING IS ADD MORE VIOLATIONS AND I WILL ENFORCE THEM THATS A PROMISE. HERE THIS THE DISPUTE : Request for Information on Consumer Rights Dear [ XXXX  XXXX ], I am reaching out with a sense of urgency and determination regarding my consumer rights. I understand that this account is currently marked as charged off, but it is imperative that I obtain specific information to fully understand my rights and obligations. I kindly request your assistance in providing answers to the following critical questions : 1. Date Opened : When was this account initially established? 2. High Credit : What is the highest amount charged on this account? 3. Credit Limit : What was the original credit limit assigned to this account? 4. Date Last Reported to Credit Bureaus : When was this account last reported to the credit bureaus? 5. Date When Charged Off : On what date was this account officially charged off? 6. Date Last Active : When was the last activity recorded on this account? 7. Date of Last Payment : What is the date of the most recent payment made on this account? 8. Two-Year Payment History Reported to the Credit Bureaus : 9. Can you provide the payment history for the past two years as reported? Your prompt response to these inquiries is not only appreciated but essential for my understanding of my consumer rights and the implications of this account status. Thank you for your attention to this matter. Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved

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