vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX on XXXX for {$19000.00} USD using PayPal. The item typically sells for over {$300000.00}, but this one was listed much lower. I messaged the seller, and after some back and forth, we agreed on a price and he accepted my offer.

That same day, I attended a collectors ' convention and showed the listing to multiple professionals who immediately told me the box was counterfeit. The main proof was that authentic XXXX XXXX XXXX XXXX  do not have " XXXX XXXX XXXX XXXX '' printed in white letters on the shrink wrap- which was clearly visible in the listing photo. 

I immediately messaged the seller and informed him I knew the item was fake. He refused to cancel, saying I couldnt prove it, and that he was shipping it anyway. The item is being shipped from XXXX and is estimated to arrive in about a month. 

I called XXXX, but they said I had to wait until the item was delivered before I could open a not as described or counterfeit claim.

The next day, I called PayPal. They told me to open a case right away, which I did. I also contacted my bank, who advised me to close the account connected to PayPal and move my money to a new one before PayPal could withdraw the funds.

Now, my PayPal account shows a negative balance of {$19000.00}, and I just received a notice saying the case was closed in the sellers favor due to " insufficient proof. '' This happened even though the item hasnt been delivered yet, and I have expert confirmation that its counterfeit.

This was all the money I had, and I acted in good faith expecting buyer protection. PayPal is now trying to hold me liable for nearly {$20000.00} for an item that is fake and hasnt even arrived yet.

I am asking for CFPBs help to : Stop PayPal from pursuing me for this amount until the case is fully reviewed.

Ensure Im not penalized for a counterfeit item once its confirmed.

Prevent collections or credit damage while this is being resolved. 

I can provide XXXX messages, PayPal case logs, and expert statements confirming the item is fake if needed. 

ive attached pictures of the exact real item without the white letters and the one with the letters ( you can get this fake one with the letters on XXXX for {$6.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a 4th attempt requesting for proof of verification.

In your response, you stated that the investigation has been completed and that the account was verified. In the same letter it stated, it was considered the same dispute without proof of validation was frivolous and will not research this dispute However, no supporting documentation or details of the verification process were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
Checked my credit report and found LVNV FUNDING LLC. I asked for verification wasn't given a letter notice not even a phone call just added too my credit and was knocked down XXXX points. Feel that this company failed to XXXX  the fair debt act. They didn't allow me to dispute the debt at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Let me be very clear. What the Department of Education and Nelnet are doing is totally unacceptable, totally unlawful, and a disgrace to hardworking Americans like me who are trying to buy a home, build credit, and live the XXXX XXXX. 
They are reporting multiple student loan accounts, all under XXXX. of XXXX with XXXX late payments, including in XX/XX/year>. But heres the catch : I never got a single valid periodic statement. Nothing. No XXXX notice, no heads-up, no chance to pay, just late marks slapped on my credit like its a joke. Thats not how XXXX works. 
Let me remind you : XXXX XXXX XXXX. XXXX, I hereby revoke and withdraw ANY authorizationwritten, verbal, or imaginary, that these people think they had. This revocation is retroactive and immediate. You dont get to profit off my private information and XXXX  me at the same time. 

This is a massive violation of : The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Family Educational Rights and Privacy Act ( XXXX ) And its XXXX happening to millions of other Americans. Were going to expose it. 

This is willful noncompliance, plain and simple. And its destroying my opportunity to get approved for a homeXXXX  my family, XXXX  my name, and violating federal law. I demand the following : Remove every late payment, they're bogus and unsupported. 
Update every account to show XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX XXXX. 
Prove that you sent me periodic billing statements. If you cant, youre caught. 

This isnt just about me. This is about doing whats right. Fix this NOW or I will file with the IRS ( Form XXXX ) and every agency necessary until its corrected. Were not playing games. XXXX is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly.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 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 2025-06-17 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: MI

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report thirteen fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit cards opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; an auto lease opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX ; an auto loan opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; an unsecured loan opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX ; and collection accounts opened at XXXXXXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX, and XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-06-17 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: Central Research Inc
State: MD

Complaint narrative:
Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. In addition, I never took out any XXXX XXXX XXXX. Also, the XXXX XXXX University XXXX XXXX, IL. ) is No Longer in Existence to dispute the loan issues. 

XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

4. Never signed any documents to take out a loan. 

5. XXXX XXXX University ( XXXX, IL. ) is No Longer in Existence. 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Schreiber Law LLC
State: TX

Complaint narrative:
XXXX and XXXX XXXX have an arbitration agreement. Stop legal proceedings immediately. 

XX/XX/XXXX Reschedule Of Hearing XX/XX/XXXX Continued XX/XX/XXXX Continues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
all of the companies im about to name with date allowed accounts to be entered withouth my knowledge and sold info to debt collectors to further the damage which is illegal pursuant to 18 usc 8, i owe no debt. this company is violating my consumer right to privacy pursuant to 15 usc 1681b. they also have no permission to report anything using my info pursuant to usc 1681 this is a list of companies and dates, XXXX XXXX  which was closed on XXXX, XXXX XXXX XXXX has two seperate accounts closed on XX/XX/XXXX, XXXX closed on XX/XX/XXXX and XXXX  closed on XX/XX/XXXX XXXX a national credit systems which was opened XX/XX/XXXX and XXXX XXXX XXXX  opened XX/XX/XXXX XXXX these companies illegally and fraudulently used my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
all of the companies im about to name with date allowed accounts to be entered withouth my knowledge and sold info to debt collectors to further the damage which is illegal pursuant to 18 usc 8, i owe no debt. this company is violating my consumer right to privacy pursuant to 15 usc 1681b. they also have no permission to report anything using my info pursuant to usc 1681 this is a list of companies and dates, first premier which was closed on XXXX, XXXX funding llc has two seperate accounts closed on XX/XX/XXXX, XXXX closed on XX/XX/XXXX and XXXX closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXs which was opened XX/XX/XXXX and XXXX XXXX XXXX opened XX/XX/XXXX XXXX these companies illegally and fraudulently used my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed 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 XXXXXX/XX/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 2025-06-17 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is failing to update my credit report in a timely and accurate manner. I submitted a credit dispute/update request to XXXX  regarding 1 student loans being marked 90 days late that has since been brought current and notated that I was never late. The creditor has confirmed the account is current, and the update has been reflected on XXXX. TransUnion has failed to update my report. This delay is negatively impacting my credit score and my mortgage approval. I have attempted to contact TransUnion directly and have not received an adequate resolution or response. I am requesting the CFPB assist in having TransUnion update my credit report promptly and ensure they are held accountable for delays in fair and accurate reporting.

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 2025-06-17 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:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Re : Request for Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) Account # : XXXX  To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced debt. This letter is a formal request for validation of the alleged debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ).

Under this section, I am exercising my right to request written verification of the debt, including the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature, or other documentation proving that I am legally obligated to pay ; 4. A detailed accounting of how the alleged debt amount was calculated ; 5. Proof that your agency is legally authorized to collect debts in my state and to collect on this specific debt.

6. A full and complete chain of title * * including all documents demonstrating a valid and legal assignment or transfer of ownership of the alleged debt from the original creditor to your agency, or any intermediary parties In accordance with 15 U.S. Code 1692g ( b ), I request that you cease all collection activities, including reporting this alleged debt to credit bureaus, until you provide the requested validation. Be advised that any attempt to collect this debt without proper validation is a violation of the FDCPA.

Furthermore, under 15 U.S. Code 1692e, you are prohibited from using any false, deceptive, or misleading representation in connection with the collection of a debt.

Please consider this letter a formal dispute of the debt as well as a request for validation. If you can not validate the debt, you are required to cease all collection efforts and remove any information related to this account from any credit reporting agency in which it has been reported. 
I request that all future communication be in writing and sent to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out to dispute an account that has been incorrectly added to my credit report. Let me be very clear this account does not belong to me, and I have XXXX affiliation with it. Whats happened here is a case of mixed credit information, and it needs to be corrected immediately. 

Someone elses account has been wrongly linked to my credit file, and this kind of error is not just careless its harmful. I work hard to maintain my credit, and I will not allow someone elses debt or activity to be reported under my name due to a mistake thats completely out of my control.

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