vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX Debt Collector 's Name : PORTFOLIO RECOV ASSOC Account number : none ( PORTFOLIO RECOV ASSOC ) Amount : {$10000.00} Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from [ XXXX XXXX XXXX XXXX ) but I am unaware of the amount due since there is no breakdown of any fees. Additionally, Please provide a breakdown of fees including any collection costs and charges. Provide a copy of my signature with the Original Creditor to release Information to you, Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from Original Creditor can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the Original Creditor In connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to valldate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT THE WRONG INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

ACCORDING TO 16 U S C 1692 C YOU HAVE VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATION PLEASE REMOVE THESE FRAUDULENT COLLECTIONS OFF MY CREDIT REPORT. ALSO PLEASE CORRECT THE INCORRECT 30 DAY LATE PAYMENTS THAT HAS BEEN PLACED ON MY CREDIT REPORT INACCURATELY PLEASE CORRECT AND REMOVE ALL NEGATIVE INFORMATION FROM 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 explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT THE WRONG INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

ACCORDING TO 16 U S C 1692 C YOU HAVE VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATION PLEASE REMOVE THESE FRAUDULENT COLLECTIONS OFF MY CREDIT REPORT. ALSO PLEASE CORRECT THE INCORRECT 30 DAY LATE PAYMENTS THAT HAS BEEN PLACED ON MY CREDIT REPORT INACCURATELY PLEASE CORRECT AND REMOVE ALL NEGATIVE INFORMATION FROM 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 2025-02-28 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 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: NC

Complaint narrative:
I want to be unequivocally clear : this tradeline is not reported in accordance with the FCRA guidelines, which require that all information on a credit report be accurate and complete. This entry does not accurately represent my financial history and is in violation of the law. By failing to report this tradeline with maximum possible accuracy, you are causing harm to my credit report, which in turn negatively impacts my credit score and financial standing.

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 2025-02-28 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have had this account almost a year. Never missed a payment or was ever late. XXXX XXXX they decided to lower my credit limit for no reason. The reasons they listed were ficticious. There was nothing harmful in my credit report and I was at 100 % on time payments with my other cards also. By doing this they took what I owed and made it my new credit limit. So now it appears on my credit report that I am at a 98 % usage with them. As a result of this XXXX other cards I have also lowered my limits. To offset this unfair credit limit " adjustment " i paid 30 % of my balance recently. Thinking this would help my credit report. Well now I received a letter from Sychrony Bank stating they have lowered my limit again down to the amount I just paid it down too!! This is unfair and shiuld be illegal. They are the worst bank out there.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite being a frequent Zelle user and diligently reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. Instead, I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud and scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I urge Zelle and its partnering financial institutions to take immediate action to enhance fraud prevention measures and ensure a more reliable dispute resolution process. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
I do not agree to XXXX XXXX and XXXX  improperly accessing my private data.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-28 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

Complaint narrative:
What happened? 
On XX/XX/year>, the seller, XXXX XXXX XXXX, initiated a {$2300.00} refund for coaching sessions that were never provided. PayPal confirmed the refund via email, and the amount was visible in my PayPal account. However, before I could withdraw the money, the seller retracted the refund, which violates PayPals own policies. 

This fraudulent tacticinitiating a refund, allowing the buyer to see it in their account, then retracting it once a dispute is openedis a known scam method used to manipulate PayPals system. Instead of protecting me, PayPal closed my dispute without reviewing all the evidence, allowing the seller to exploit this loophole. 

Key Issues : Unauthorized refund retraction : PayPals policies explicitly state that once a refund is initiated, it can not be revoked due to an open dispute. The seller ignored this rule, and PayPal allowed it.

Funds were credited to my account but later removed : I received an email confirmation from PayPal that the refund was processed. The amount was visible in my PayPal balance, yet the seller later retracted it, which should not have been possible. 
Dispute closed without proper review : PayPal ignored critical evidence, including their own email confirmation of the refund and screenshots proving the amount was in my account before being reversed.

Failure of consumer protection : This case highlights a serious gap in PayPals fraud prevention measures. The company failed to uphold its Purchase Protection Policy and did not hold the seller accountable. If this practice is allowed to continue, it sets a dangerous precedent for future fraud.

Evidence Provided : Email confirmation from PayPal proving the refund was issued.

Screenshots showing the refund amount in my PayPal balance before it was removed.

Transaction records demonstrating that the refund was later retracted.

Written confirmation from the seller acknowledging the refund before reversing it.

Request for Resolution : 1 Reopen my dispute and conduct a full investigation, reviewing all provided evidence.

2 Force PayPal to honor the {$2300.00} refund that was confirmed and displayed in my account.

3 Ensure PayPal enforces its policies to prevent sellers from retracting refunds after they have been initiated.

4 Investigate why PayPal allowed this fraudulent tactic and take corrective measures to prevent future abuse. 

This is a clear violation of consumer protection rights, and I demand immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-28 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: CT

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$7700.00}

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 non-monetary relief
Consumer complaint received 2025-02-28 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:
On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year> asking them to investigate these accounts XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
Account was opened up as a result of identity theft and was not investigated properly. Submitted multiple police and ftc reports to credit bureaus. Never signed any contract with company or had any account with them 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but my credit report shows an outdated address as XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX. I request that my current address be updated accordingly. 

2. Employer Information : The employer name listed on my credit report, XXXX XXXX XXXX, is not my employer anymore. I request that my new employer, XXXX XXXX, be updated as my real employer.

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 2025-02-28 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I submitted a claim to Cash App ( Block , Inc. ) requesting a refund of {$1500.00} after being scammed while using their platform. I paid for a service that was never provided, and upon attempting to contact the merchant for a refund, I received no response. The merchant subsequently blocked me from further communication, prompting me to file a claim with Cash App, as the transaction occurred through their platform. I provided Cash App with supporting evidence ; however, my claim was denied the following business day. I resubmitted the claim, but it was denied once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief