vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: NE

Complaint narrative:
On XX/XX/XXXX, I paid {$710.00} to XXXX XXXX XXXX via PayPal using a Visa card ending in XXXX linked to my XXXX XXXXXXXX XXXX XXXXXXXX. account. In XX/XX/XXXX, I canceled my XXXX reservation and was issued a refund on XX/XX/XXXX. 

Before canceling, I informed PayPal that the original payment method ( Visa XXXX ) was inactive and that my XXXX XXXX bank account was closed. PayPal assured me that if the refund was rejected, it would be credited to my PayPal balance within 35 business days. 

On XX/XX/XXXX, PayPal stated that the refund was sent back to the Visa card. However, XXXX XXXX has confirmed that all transactions to closed accounts are automatically rejected and returned to the sender ( PayPal ). XXXX XXXX also advised me to contact PayPal for resolution.

Despite multiple follow-ups : ( 1 ) PayPal insists the refund was successfully processed on XX/XX/XXXX, to the closed Visa card. 

( XXXX ) XXXX XXXX states that the refund was rejected and never posted to any account. 

( 3 ) PayPal opened a refund inquiry and provided a trace number for the transaction, but XXXX XXXX has refused to trace the refund. 

( 4 ) I have spent over two weeks being redirected between PayPal and XXXX XXXX, with neither company providing a solution. My {$710.00} remains missing. 

Attempts to Resolve the Issue : ( 1 ) Contacted PayPal multiple times, received a trace number, but no refund. 
Contacted XXXX XXXX, who stated they will not investigate since I no longer have an account with them. 

( XXXX ) XXXX XXXX incorrectly filed a dispute on the original transaction ( XX/XX/XXXX ) instead of investigating the XX/XX/XXXX refund issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Account on My Credit Report Under FDCPA 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute a collection account that appears on my credit report with Equifax. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I have the right to receive validation of the alleged debt. 

I hereby formally request that Equifax verify and validate the debt reported on my credit history. If the collection agency is unable to provide proper documentation proving that this debt belongs to me and meets the legal requirements for collection, I demand its immediate removal from my credit report. 

Additionally, I believe that the reporting of this debt violates multiple consumer protection laws, including : - XXXX*15 U.S. Code 6801** : Protection of personal information. 
- **15 U.S. Code 6802** : Obligations regarding the disclosure of personal information.

- **15 U.S. Code 6803** : Disclosure of privacy policies.

- **15 U.S. Code 1681e ( b ) ** : Accuracy of credit reports.

- **15 U.S. Code 1681a ( d ) ( 2 ) ** : Exclusion of certain transactions from credit reports.

- **18 U.S. Code 1028A** : Aggravated identity theft. 

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this account from my report or supplying the required documentation validating the debt. 

I am attaching a copy of my identification and my credit report with the disputed account highlighted for your reference. 

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: WA

Complaint narrative:
not my account never had fingerhut account since bankruptcy in XXXX beleive they did not investigate properly also victim of data breach in n3 difference ocasions Your Account Dispute has been updated. 

XX/XX/XXXX The incorrect account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX What now? 

We'll notify you when all of your pending disputes are complete and the results are ready. To see your most recent updates, please check your updated 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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Calls me at least three times a day. This debt is from 2016, and says there is a warrant for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$90.00} After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I

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 2025-02-15 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:
TRANSUNION, EQUIFAX AND XXXX XXXX XXXX CONTINUES TO RE-INSERT FRAUDULENT ACCOUNTS WHICH I HAVE SENT PREVIOUS PROOF OF THESE ITEMS BEING DUE TO IDENTITY THEFT. TRANSUNION, EQUIFAX AND XXXX XXXX XXXX  CONTINUES TO REPORT THIS FRAUDULENT ACCOUNT AFTER BEING SENT PROOF AND NOT PROVIDING ME WITH ANY WRITTEN NOTIFICATION OR PROOF THAT THIS IS NOT IDENTITY THEFT. I WILL BE ATTACHING : TRANSUNION DELETE LETTER OF FRAUDULENT ACCOUNT. 
MULTIPLE PROOF THAT THE ADDRESS XXXX XXXX HAS HAD FOR THIS ACCOUNT IS FRAUDULENT AND HAS BEEN REMOVED/DELETED FROM ALL DATA FURNISHERS DUE TO FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX, XXXX AND GOLDMANS SACHS BANK CONTINUES TO RE-INSERT FRAUDULENT ACCOUNTS WHICH I HAVE SENT PREVIOUS PROOF OF THESE ITEMS BEING DUE TO IDENTITY THEFT. XXXX, XXXX AND GOLDMAN SACHS BANK CONTINUES TO REPORT THIS FRAUDULENT ACCOUNT AFTER BEING SENT PROOF AND NOT PROVIDING ME WITH ANY WRITTEN NOTIFICATION OR PROOF THAT THIS IS NOT IDENTITY THEFT. I WILL BE ATTACHING : XXXX DELETE LETTER OF FRAUDULENT ACCOUNT. 
MULTIPLE PROOF THAT THE ADDRESS GOLDMAN SACHS HAS HAD FOR THIS ACCOUNT IS FRAUDULENT AND HAS BEEN REMOVED/DELETED FROM ALL DATA FURNISHERS DUE TO FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
For the collection accounts, and I am requesting the following documentation : The XXXX XXXX XXXX proving the legal transfer of ownership. The XXXX XXXX of XXXX documenting all prior owners of the debt. An Affidavit of Ownership attesting that the current entity is the rightful owner of the debt. If the above documentation can not be provided, these collections must be removed immediately as they can not be verified per FCRA 1681i. The accounts listed as charge off have been improperly reported as charge-offs multiple times instead of once, violating 15 U.S.C. 1681e ( b ). These accounts were charged off once, yet the charge-off status has been re-reported month after month for up to a year some over a year, which is inaccurate and misleading. Charge- offs can only occur once, and repeated reporting artificially prolongs the negative impact, violating FCRA accuracy requirements. These accounts must be removed immediately for failing to adhere to 1681e ( b ). Consumer claimed to have verified the information but only made false remarks/status on report. Additionally, under FCRA 1681n, willful non-compliance with these obligations entitles me to statutory damages ranging from {$100.00} to {$1000.00} per violation. Notably, I do not need to prove actual harm to claim these statutory damages. Furthermore, I will be pulling all past disputes submitted through the Consumer Financial Protection Bureau ( CFPB ) to review the lack of action taken in response to my disputes. If this matter is not resolved immediately, I will also be pursuing legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Delete these medical collections from my credit report effective immediately as they are banned by the XXXX and they can no longer report on my credit reports effective immediately XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My personal information was leaked during the data breach, and this has caused me several problems to my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the unfair and potentially unlawful credit reporting actions taken by XXXX XXXX XXXX XXXX regarding the remaining balance on my auto loan after my vehicle was totaled. Under federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I believe my rights are being violated due to the following reasons : XXXX. Unfair Reporting of Late Payments Despite Payment Arrangements On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX had initiated an unauthorized transaction of {$410.00} from my account, reducing my remaining balance to {$1300.00}. Upon contacting your institution, I proactively made payment arrangements to pay {$150.00} on the XXXX of each month. Despite this agreed-upon plan, I have been informed that my account will still be reported as delinquent due to the non-lump-sum payment. This practice is deceptive and goes against 15 U.S. Code 1681s-2, which requires accurate and fair credit reporting.

2. Failure to Provide Proper Notice of Adverse Credit Actions If you intend to report my account as late despite my compliance with the agreed-upon payment plan, you are required under 15 U.S. Code 1681m to provide proper notice of adverse credit reporting decisions. I have not received such notice nor an opportunity to dispute this in good faith before it affects my credit report.

3. Potential Unauthorized Debit Transaction The withdrawal of {$410.00} from my account without prior authorization may also constitute a violation of the Electronic Fund Transfer Act ( EFTA ) under 15 U.S. Code 1693, which protects consumers from unauthorized transactions. I request full documentation proving my consent to this transaction.

Requested Action I am requesting the following actions be taken immediately : Cease and desist from reporting my account as delinquent since I have been making payments as agreed upon. 
Correct any inaccurate reports already submitted to the credit bureaus. 
Provide a written confirmation that my account will not be marked delinquent as long as I continue to make my agreed-upon payments. 


If my request is not resolved within 30 days, I will have no choice but to escalate this matter by filing the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I reserve the right to seek legal remedies if necessary.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XX/XX/year> I disputed this issue with Equifax about my XXXX XXXX XXXX loan. It should not be coming up as my XXXX XXXX loan anymore because when I contacted that loan servicer, they said they had transferred the account to a different loan servicer run by the Dept. Of Education, XXXX. 

Despite the dispute I entered, I still do see both XXXX XXXX and XXXX on my credit report and that means I have derogatory marks/ additional information showing up twice on my credit report. The dispute results said that it was updated, but it still shows up the same on my equifax credit reports. 

Since XX/XX/year>, I have been in contact with XXXX, and they have deferred my perkins loan, as it shows up on my credit report. I have overwhelming amounts of evidence of this. I am also in constant communication with them because they are in the process of cancelling the loans. 

Moreover, the XXXX XXXX XXXX loan does not appear on my other two credit reports ( XXXX  or transunion ).

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: UT

Complaint narrative:
Anytime I access my Mobile account or maybe not every time but some of the time there is either someone in there changing things or causing me to have problems trying to do anything transfer money anything my brother from what I hear is trying to commit fraud with my account and my information of course this is how what he told me but I just want to make sure that everyone know that this is happening so that way I can combat the fraud I do know that he breaks into my phone all the time and I have no way to stop him the opposite I have problems with is Cash out chime and my Chase account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I've disputed this debit more than 7 years old closed out on my credit report and re-aged on 3 credit bureaus. This was closed and last payment was XX/XX/year> which shows in past reports for all 3 credit agencies who are re-reporting this again. I have uploaded screen shots for your review. Credit bureaus are running my credit and I have to close on a new home in 30 days. This false reporting dropped my score XXXX points. Please help as this is not fair after 7 years this is suppose to fall off my report and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I keep getting phone calls about my collections and they becoming to much the 3 accounts are my original credit XXXX XXXX but the collection RESURGENT LVNV FUNDING/ XXXX XXXX is the one reaching out to me. I already have them removed from my XXXX credit report. The accounts are LVNV FUNDING LLC # XXXX, LVNV FUNDING LLC # XXXX, and LVNV FUNDING LLC # XXXX

Company response to consumer: Closed with non-monetary relief