vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Complaint Against PayPal , Inc. Mishandling of Unauthorized Pre-Approved Transactions Dear Consumer Financial Protection Bureau , I am submitting this complaint against PayPal , Inc. XXXX its failure to protect me from a series of unauthorized, recurring transactions initiated by XXXX  XXXX through a so-called " pre-approved payment agreement. '' Nature of the Complaint : Over the course of more than a month, unauthorized charges from XXXX XXXX were withdrawn from my PayPal account. I do not use XXXX, and I have never knowingly authorized or created any billing agreement with them. 

Upon discovering these transactions, I immediately contacted PayPal. I was informed the issue would be escalated for investigation. However, the charges continued even after this report. When I followed up, I was advised to file a disputeguidance that should have been provided much earlier to prevent further losses. 

When I submitted a formal dispute, PayPal denied it, claiming the transactions were part of a pre-approved agreement. This justification is flawed for several reasons : I was never notified or given an opportunity to consent to a recurring billing agreement. 

I did not log in to or use XXXX at any point. 

PayPal continued processing these transactions even after my initial complaint, failing to flag or block repeat charges from the same merchant. 

Their policy requires informed consent for pre-approved payments, which did not occur in this case. 

Despite appealing the decision and providing all relevant details, PayPal has refused to reverse the charges, effectively allowing unauthorized access to my funds. 

Consumer Harm : This situation resulted in financial loss totaling {$1200.00}, caused entirely by unauthorized billing activity. More importantly, it demonstrates a failure in PayPals fraud detection and resolution system, leaving consumers vulnerable to recurring charges they did not agree to. 

Resolution Sought : I am requesting that PayPal : Refund the full amount of the unauthorized charges. 

Terminate and investigate the billing agreement with XXXX. 

Review its dispute and fraud prevention protocols for subscription-based transactions, particularly in cases where consumers report issues promptly and in good faith. 

PayPals unwillingness to address this issue through its internal resolution channels has left me no option but to seek regulatory intervention. I respectfully request the CFPBs assistance in securing a fair outcome. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Email : XXXX PayPal Account Email : [ Insert if different ] Disputed Transactions : Case ID : XXXX {$1000.00} Case ID : XXXX {$190.00} Case ID : XXXX {$5.00} Total Amount Disputed : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payment recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX and my State Attorney General.

I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I discovered that a bankruptcy is listed on my credit report, but I recently contacted the U.S. Bankruptcy Court for the Eastern District of Missouri and received written confirmation that they do not report any bankruptcy information to the credit bureaus. 

This raises serious questions about how this information was obtained and whether it is being reported accurately, in violation of the Fair Credit Reporting Act ( FCRA ). 

I am filing this complaint because I believe my consumer rights under FCRA Section 623 are being violated by the continued reporting of inaccurate and unverifiable bankruptcy information on 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I discovered that a bankruptcy is listed on my credit report, but I recently contacted the U.S. Bankruptcy Court for the Eastern District of Missouri and received written confirmation that they do not report any bankruptcy information to the credit bureaus. 

This raises serious questions about how this information was obtained and whether it is being reported accurately, in violation of the Fair Credit Reporting Act ( FCRA ). 

I am filing this complaint because I believe my consumer rights under FCRA Section 623 are being violated by the continued reporting of inaccurate and unverifiable bankruptcy information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I currently have a XXXX  loan payment that was placed in forbearance.L I reached out to the Dept of Education on XX/XX/XXXX due to seeing something on the news about XXXX  Loan payments being collected on if no payments had been made. 
Although I was in a forbearance plan I wanted to ensure that everything was good with my forbearance and nothing had changed. 
I was told my loan was now with XXXX as of XX/XX/year>. I was never made aware of this. 
I reached out to XXXX and spoke to a gentleman who stated my student loan was now with them and had went into repayment without my knowledge due to them being provided an outdated address and email Addresss he stated he would get me back onto the forbearance plan as I was still eligible for 36 months. I was placed back on the plan and thought everything was fine until 10 days later I was flooded with alerts from my credit monitoring system that I had negative reporting on my credit report for my student loans. XXXX reported that I was 90 days late with no prior reporting or notification. Not only thins but they reported it XXXX DIFFERENT TIMES. 
Prior to the account being with XXXX I made XXXX separate payments one for my under XXXX  loans and one for my XXXX  loans to the department of edu. So the most this should Possibly be is 2 accounts. 
I have not had a single late payment on my credit report in almost 5 years and this excessive reporting made my credit score drop almost XXXX points and absolutely destroyed my credit to a point I will never be able to recoup the loss. 
I am in the process of attempting to buy a new home, and a new vehicle and I will not be able to do either now with my credit score dropping XXXX points all in 1 month all because of this which is going to be next to impossible to recuperate from. 

Although at one time years ago these were individual loans, they have since been consolidated together. 
I was told that once my forbearance is up I will be making one monthly payment to XXXX each month and have one account number. 
This never should have been reported negative against me 9 times. 
I was never informed of being 30 or 60 days late as I would have been alerted by my credit monitoring system and could have called earlier.

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 2025-05-16 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: MI

Complaint narrative:
I currently have a XXXX  loan payment that was placed in forbearance.L I reached out to the Dept of Education on XX/XX/XXXX due to seeing something on the news about XXXX Loan payments being collected on if no payments had been made. 
Although I was in a forbearance plan I wanted to ensure that everything was good with my forbearance and nothing had changed. 
I was told my loan was now with XXXX as of XX/XX/year>. I was never made aware of this. 
I reached out to XXXX and spoke to a gentleman who stated my XXXX  loan was now with them and had went into repayment without my knowledge due to them being provided an outdated address and email Addresss he stated he would get me back onto the forbearance plan as I was still eligible for 36 months. I was placed back on the plan and thought everything was fine until 10 days later I was flooded with alerts from my credit monitoring system that I had negative reporting on my credit report for my XXXX  loans. XXXX reported that I was 90 days late with no prior reporting or notification. Not only thins but they reported it NINE DIFFERENT TIMES. 
Prior to the account being with XXXX I made 2 separate payments one for my under XXXX  loans and one for my XXXX  loans to the department of edu. So the most this should Possibly be is XXXX accounts. 
I have not had a single late payment on my credit report in almost 5 years and this excessive reporting made my credit score drop almost XXXX points and absolutely destroyed my credit to a point I will never be able to recoup the loss. 
I am in the process of attempting to buy a new home, and a new vehicle and I will not be able to do either now with my credit score dropping XXXX points all in 1 month all because of this which is going to be next to impossible to recuperate from. 

Although at XXXX time years ago these were individual loans, they have since been consolidated together. 
I was told that once my forbearance is up I will be making one monthly payment to XXXX each month and have one account number. 
This never should have been reported negative against me 9 times. 
I was never informed of being 30 or 60 days late as I would have been alerted by my credit monitoring system and could have called earlier.

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 2025-05-16 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 currently have a XXXX  loan payment that was placed in forbearance.L I reached out to the Dept of Education on XX/XX/XXXX due to seeing something on the news about XXXX Loan payments being collected on if no payments had been made. 
Although I was in a forbearance plan I wanted to ensure that everything was good with my forbearance and nothing had changed. 
I was told my loan was now with XXXX as of XX/XX/year>. I was never made aware of this. 
I reached out to XXXX and spoke to a gentleman who stated my XXXX  loan was now with them and had went into repayment without my knowledge due to them being provided an outdated address and email Addresss he stated he would get me back onto the forbearance plan as I was still eligible for 36 months. I was placed back on the plan and thought everything was fine until 10 days later I was flooded with alerts from my credit monitoring system that I had negative reporting on my credit report for my XXXX  loans. XXXX reported that I was 90 days late with no prior reporting or notification. Not only thins but they reported it NINE DIFFERENT TIMES. 
Prior to the account being with XXXX I made 2 separate payments one for my XXXX XXXX  loans and one for my XXXX  loans to the department of edu. So the most this should Possibly be is XXXX accounts. 
I have not had a single late payment on my credit report in almost 5 years and this excessive reporting made my credit score drop almost XXXX points and absolutely destroyed my credit to a point I will never be able to recoup the loss. 
I am in the process of attempting to buy a new home, and a new vehicle and I will not be able to do either now with my credit score dropping XXXX points all in 1 month all because of this which is going to be next to impossible to recuperate from. 

Although at one time years ago these were individual loans, they have since been consolidated together. 
I was told that once my forbearance is up I will be making XXXX monthly payment to XXXX each month and have one account number.

This never should have been reported negative against me 9 times. 
I was never informed of being 30 or 60 days late as I would have been alerted by my credit monitoring system and could have called earlier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am filing a formal complaint against IC System and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for reporting a false collection account on my XXXX  credit report. The debt is related to sanitation services for a rental property located at XXXX XXXX XXXX that was renovated and sold. 
XXXX, XXXX XXXX XXXX XXXXXXXX. I never received or used any sanitation service from the city at this address during the time in question. No garbage can was ever delivered, and no service was provided. Instead, we rented a dumpster service on-site for all trash disposal. I submitted the invoice and proof of my dumpster rental directly to XXXX XXXX XXXX  but they failed to correct or remove the billing error. 

Now, IC System has placed a {$220.00} collection account on my credit report and has updated the reporting date to XX/XX/year>, despite no communication or acknowledgment from me. This violates the Fair Credit Reporting Act ( FCRA ), which prohibits reaging debt without new activity. I sent a certified debt validation letter to IC System, which was received on XX/XX/year>, and I have received no response. This collection is incorrect, and the reporting date has been manipulated to damage my credit further. 
I request that the Consumer Financial Protection Bureau investigate this issue and require IC System to remove the collection account entirely from my credit reports. I am preparing to refinance a mortgage and need this corrected urgently.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, California XXXX Account Number : XXXX XXXX XXXX Account # XXXX Subject : Notice of Fraudulent Account Opened in My Name To Whom It XXXX Concern, I am writing to formally report that a fraudulent account has been opened in my name without my knowledge or authorization. I recently became aware of this through my credit report. 

The account in question is under the name XXXX XXXX and appears to have been opened with XXXX motor acceptance on or around XXXX Account # XXXX I want to emphasize that I did not open this account, authorize its opening, or have any dealings with it. 

Please consider this letter a formal dispute and request to : Investigate the account and take appropriate action to close or flag it as fraudulent. 

Remove any related inquiries or negative information from my credit report. 

Provide written confirmation that the matter has been resolved. 

I have enclosed copies of the following documents to support my claim : FTC Identity Theft Report Please confirm receipt of this letter and provide me with a case or reference number for this investigation. 

Thank you for your prompt attention to this serious matter. Should you need additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: CA

Complaint narrative:
I filed XXXX appeals to cash app. This is part of my XXXX  complaint as well. Even though the transactions were back to back showing the obvious fraud they approved the XXXX dollor XXXX then denying the XXXX XXXX stating they didnt see any error which is a bunch of XXXX considering the withdrawals were back to back. The support at cash app is pathetic They were no help and it seemed like the had a preconceived notion to just reject any thing I threw at them. They could never give a solid answer and they were the rudest XXXX  people I have ever dealt with. They need to honor there policies on fraud and refund my money asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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