vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Consumer Financial Protection Bureau. 
I am writing to respectfully seek your assistance, as despite my best efforts, I have been unable to receive any satisfactory help from PayPal Customer Support. 
My name is XXXX XXXX, and my PayPal email address is XXXX. I hold a Business PayPal account.

My account was created with a verified identity. I issued invoices to customers, who promptly paid. I ensured that the orders were fulfilled, and customers subsequently confirmed receipt and expressed satisfaction. 
After receiving payments, my account was limited. After all packages were delivered to the customers, I immediately submitted the necessary documentation to PayPal and waited for a review of my account. Subsequently, I received a PayPal email indicating that my account had been permanently limited, and I would need to wait for 180 days before the funds could be released. 
I found the assistance provided by customer support during the account appeal process to be insufficient and unsatisfactory. I would like to contact the appropriate or senior team at PayPal to request a comprehensive review of my account. I kindly request that my account be reviewed by a higher-level department, with the aim of restoring it so that I may resume our business relationship with PayPal.

I would greatly appreciate your assistance in facilitating contact with the pertinent PayPal department for a thorough review of my account. I humbly request a reconsideration of the decision pertaining to my account. 
Thanks so very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
When we moved into our home we had vivint and they come out XXXX times a year to offer more services. They were working with a solar panel company XXXX and informed me and my wife several times that it would takeover our power bill but in fact made little to no impact to my power bill. So I still have had an high power bill plus this new bill which it became to much and I defaulted on the loan from mosaic. I talked to all XXXX companies and I kept getting talk to the other one they can handle this. XXXX told me once I had the wrong panels then the next time I talked to them a new person stated that's not true. Then mosaic sold me off and I think the new company sold me also. Now this new company is suing me but I have been trying to get them off my house. Also XXXX  just tried to XXXX me again but I got out of that in time because things wasn't adding up again. I think the new company is called XXXX XXXX XXXX and they called my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NJ

Complaint narrative:
I CHECKED MY EQUIFAX CREDIT REPORT AND NOTICED HARD INQUIRES THAT WERE ON MY CREDIT RPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
I am writing to formally request the removal of a XXXX XXXX collection account with a {$620.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 

Furthermore, FCRA 609 and 611 state that if disputed information can not be verified within XXXX  days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated XXXX timeframe. 

Failure to comply with this request may result in legal action. FCRA 616 and 617 grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 

I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 

If this matter is not resolved within XXXX days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I had a possible loan payment that due XX/XX/XXXX and XX/XX/XXXX. Both payments were automatic. I emailed to see why the payment did not clear my account yet. I emailed because it was after the XXXX and I wanted to make sure my credit was okay. I was emailed by XXXX who said your account is current and it just takes a few days. The loan is paid in fill and was XXXX. But they have me being reported as XXXX days past due. I have reached out and no one can help. See the attached email where XXXX told me I was current. I understand errors happen, this is not my error and they are not fixing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint due to a serious and unresolved issue with Equifax that has persisted for nearly four months, despite multiple attempts on my part to resolve it directly with the company.

I have discovered that lenders are unable to pull my credit report from Equifax, which has severely impacted my ability to secure a mortgage. While my credit is accessible via other credit bureaus, Equifax does not return any information when lenders attempt to view my file.

Upon contacting Equifax, I was instructed to mail in two forms of identification along with a written statement outlining the issue. I complied with this request and sent the required documents. I received confirmation that the documents were received ; however, no action has been taken, and the issue remains unresolved. 

I have followed up multiple times with Equifax, and each time I am met with either no response or the same instructions with no progress. This delay is now threatening my ability to purchase a home for my family. We are on the verge of losing a property that would provide us with a safe and stable place to live, due to Equifaxs failure to correct or investigate the issue with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX of XXXX I was to be added to my sisters account as Power of Attorney. My sister is currently XXXX XXXX XXXX XXXX XXXX XXXX  and is unable to physically go to any bank. After 4 trips to the bank and repeated ussues to try and accomplish this goal., on friday, XX/XX/XXXX a notary was summoned to the bank and copies of my driver 's license, as well as the power of attorney paperwork and my social security information was obtained by the bank. I was told if there was any problems I would be notified. I did not hear anything and had no reason to think there was a problem. However, in XXXX of XXXX I was asked to get some funds from my sisters account only to find out my name was not listed on the account. Any information regarding the above visit was unable to be located and had apparently been lost, mishandled, and misplaced. The confidential information was nowhere to be found. Repeated phone calls 2 different branches at different times of day go unanswered and unresponded to. Where is the packet of confidential information? I did everything that was required of me howver, the bank was incompetent.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Entry Capital One Account I am writing to formally dispute inaccurate information reported on my credit file regarding the Capital One account ( Account Number : XXXX ). This account appears under my credit report as a charge-off with a balance of {$2100.00} and is marked as closed at the credit grantors request. 

Upon reviewing my credit report, I have identified the following inaccuracy : Disputed Inaccuracy : The report lists the Last Payment Date as XX/XX/year>, which is a future date that has not occurred. This is factually impossible and therefore inaccurate. This error misrepresents my payment history and may have a negative impact on my creditworthiness. 

Additionally, the payment history shows consistent delinquencies through XX/XX/year>, also a future month, which further highlights a timeline inconsistency. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this inaccurate information be investigated and corrected immediately. Please conduct a thorough reinvestigation and remove or correct all erroneous data associated with this account. 


Please provide written confirmation of your investigation and the results within XXXX  days, as required by the FCRA. If the information can not be verified, it must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
I have a good standing account with XXXX with a XXXX balance and good credit history that was open XX/XX/year> and every other month Equifax keep removing this account. I contacted XXXX and they stated that they would not and did not request to have this account removed. This problem isnt happening with the other XXXX credit agencies, so therefore this has to be a Equifax issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
I am writing to formally request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA. 

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days.

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies.

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the XXXX Home Loans Account on my credit file, due to debt being discharged via 1099-A and 1099-C. Also, I have a letter from the creditor stating that they would remove unauthorized account from TransUnion credit report. Please see correspondence and remove account from credit report immediately. Thanking you in advance for correcting this matter.

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 2025-04-06 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: IL

Complaint narrative:
XXXX, in particular, has a documented history of conducting sham investigations. In Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was alleged to have violated FCRA by failing to conduct meaningful investigations, relying solely on furnishers ' unverified responses. 

Likewise, XXXX verification appears to lack independence or diligence. According to SEC filings and investigations, TransUnion derives revenue from both data furnishers and the dispute process itselfraising a serious conflict of interest and casting doubt on the integrity of their reinvestigation practices. 

XXXX XXXX XXXX XXXX XXXX needs to be deleted.

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had no knowledge of this account. I contacted them and asked them multiple times to provide more information and a copy of the contract and what services I signed up for. I NEVER HEARD ANYTHING BA CK FROM THE CREDITOR REMOVE THIS FROM MY CREDIT REPORT. I DO NOT OWE THEM {$120.00}

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 2025-04-06 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 name is XXXX XXXX, and I am reaching out to dispute items on my consumer report due to identity theft. Upon reviewing my Experian credit report, I discovered several unauthorized hard inquiries and incorrect personal information that I did not consent to. These are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which entitles me to have fraudulent and inaccurate information promptly removed. 

Unauthorized Credit Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe only correct version of my name is : XXXX XXXX Incorrect Addresses to Be Deleted : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX My accurate and current address is : XXXX XXXX XXXX XXXX XXXX, GA 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. XXXX XXXX XXXX # XXXX Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against Experian reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

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