vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
XX/XX/XXXX dispute letters were sent to transunion for a removal of unauthorized hard inquiries. Received a letter from transunion dated XX/XX/XXXX with file # XXXX stating they were deleted from report and still showing inquiries will be listed below. 

XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX  ( Bank ) XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX XXXX Finance ) XXXX ( Finance ) XXXX  ( Finance ) XXXX  ( Bank ) XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX XXXX ( Finance XXXX XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX ( Bank )

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 2025-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a formal complaint against PayPal , Inc. for failing to properly investigate my dispute and issue a refund for multiple payments totaling {$1200.00} for a service that was never rendered. 

Between XX/XX/year> and XX/XX/year>, I made multiple payments through PayPal to [ merchants name ] for a service. However, despite paying in full, the service was never provided as promised. 

On XXXX, I opened a dispute with PayPal under their Buyer Protection Policy, which clearly states that customers are entitled to a refund if a service is not provided. Instead of properly investigating my claim, PayPal wrongfully classified my dispute as an unauthorized transaction and closed my case without allowing me to appeal. PayPals Violations : 1. F
ailure to Properly Investigate My Dispute : My case was mislabeled and closed unfairly.

2. Violation of PayPals Buyer Protection Policy : PayPal claims to protect customers from services not rendered, yet they denied my valid claim.

3. Violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Federal law requires financial institutions to investigate and correct billing errors, including failure to deliver services. PayPals actions violate this consumer protection law.

4. Unfair and Deceptive Business Practices : PayPal is withholding my money without justification, despite clear evidence that I did not receive what I paid for. 

Details of Payments Made : Total Payments Made : {$1200.00} Date of First Payment : XX/XX/year> Date of Last Payment : XX/XX/year> Payment Method : PayPal Seller Name : XXXX XXXX XXXX Steps I Have Taken : I contacted the seller, but they were unresponsive. 
I filed a dispute with PayPal, but they closed it under the wrong category. 
I contacted PayPals customer service, but they refused to reopen my case.

I emailed PayPals Executive Office, but they have not resolved the issue.

Requested Resolution : I am formally requesting the CFPB to investigate PayPal and require them to : XXXX. Reopen my case under Service Not Provided.

2. Issue me a full refund of {$1200.00}.

3. Ensure that PayPal properly follows its own Buyer Protection Policy in future cases.

PayPals actions are unfair and harmful to consumers who trust them for secure transactions. I request urgent intervention from the CFPB to resolve this matter.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: MA

Complaint narrative:
I, XXXX XXXX, am submitting this statement to report an incident of identity theft that has significantly impacted me. I recently discovered unauthorized activity involving my personal information, which was used without my knowledge or consent. 

Upon reviewing my financial and personal records, I identified fraudulent activities, e.g., unauthorized accounts opened, fraudulent transactions, misuse of Social Security Number. I did not authorize these actions, nor did I grant permission for anyone to use my identity for these purposes. 

I have taken immediate steps to secure my identity, see attached identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EGL US, LLC
State: CA

Complaint narrative:
sent fraud affidavit to collector and stated fraud collector sold collection account and now its charge off, collector has not reply to letter which is asking for original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-02-12 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR XXXX AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS XXXX XXXX ( XXXX of XXXX ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form XXXX with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting. 

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form XXXX for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus 3. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service Attorney General 's Office XXXX  Department of Justice, Consumer Financial Protection Bureau

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 2025-02-12 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-02-12 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: NY

Complaint narrative:
I asked TransUnion to fix the below error on my credit report & to send me a corrected report but they haven't : ( The below account was never paid late so I asked Transunion to remove the late payments but they haven't : ( It doesn't appear on my other XXXX credit bureau reports! ( screenshot attached ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Pay Status : Transferred, was XXXX  days past due date ( THIS IS INCORRECT, WAS NEVER LATE )

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 2025-02-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account XXXX XXXX XXXX ( XXXX XXXX XXXX ) I am filing a complaint regarding an inaccurate collection account reported for XXXX XXXX XXXX, originally from XXXX XXXX XXXX, with a balance of {$1500.00}. This account is unverifiable, and I request its immediate removal from my credit report. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and complete information. If this collection is unverifiable, it must be deleted. Equifax failed to provide a Method of Verification ( MOV ) for this entry.

Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request full validation of the debt, including proof of the original agreement and account statements. If XXXX XXXX XXXX can not provide these, this collection must be removed. 

XXXX  Law : As a XXXX  resident, I am protected under XXXX Statutes ( XXXX XXXX. XXXX ), which prohibits the reporting of unverifiable information. This collection must be deleted if it can not be validated.

CARES Act : This account was reported during the XXXX pandemic. If I requested accommodations under the CARES Act, XXXX XXXX XXXX was required to report the account as current, not as a collection. I demand proof of CARES Act compliance. 

Resolution : I request the immediate removal of this XXXX XXXX XXXX ( XXXX XXXX XXXX ) collection account from my credit report. If Equifax can not verify this account, it must be deleted immediately. If not resolved within 15 days, I will take further action through the FTC, CFPB, and XXXX  Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-12 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR XXXX AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS XXXX XXXX ( XXXX of XXXX ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting.

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form XXXX for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus 3. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service Attorney General 's Office XXXX  Department of Justice, Consumer Financial Protection Bureau

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