vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Complaint Title : PayPal Closed Buyer Dispute Unfairly Without Allowing Seller to Respond What happened : I am filing a complaint against PayPal , Inc. for handling a buyer dispute unfairly and without giving me, the seller, a reasonable opportunity to respond. 

The buyer, XXXX XXXX, filed a dispute for a transaction that occurred on XX/XX/2021, nearly four years ago. I was shocked to learn that PayPal accepted the dispute and closed the case in less than 20 minutes while I was asleep and had no chance to review or respond. 

Transaction details : Case ID : XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Amount Disputed : {$1300.00} USD Buyers Name : XXXX XXXX Because the transaction is over two years old, PayPals own system wont allow me to view the transaction history, meaning I have no access to the details or evidence I would need to defend myself. 

I strongly believe the buyer is abusing PayPal 's dispute system to fraudulently obtain a refund years after a completed and legitimate transaction.

I contacted PayPal and explained the situation, but they refused to reopen or review the case, stating it was already closed and final. I believe this is deeply unfair, negligent, and one-sided, leaving the seller completely unprotected. 

What I want CFPB to do : Im requesting CFPB to investigate this matter and require PayPal to : Reopen the case and allow me to respond with any evidence I can provide. 

Review their dispute resolution process to ensure sellers are fairly treated and given proper notice and time to respond. 

Prevent buyers from exploiting the dispute system years after a completed sale. 

Company being complained about : PayPal , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX www.paypal.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and legality of a negative item reported on my XXXX credit report by Jefferson Capital Systems. This item appears to be inaccurate, incomplete, and unverified in violation of the Fair Credit Reporting Act ( FCRA ). Below is a summary of the account and the associated issues. 

Creditor : Jefferson Capital Systems Reported Balance : {$640.00} Dispute Summary : No documentation of original debt or contract. Reporting unverifiable debt. 

Legal Violations Noted : FCRA 611 FDCPA 809 ( b ) Requested Action : Delete this account unless original documentation and proof of debt assignment are provided. 

Please conduct a full reinvestigation of this item as required by FCRA 611. If the furnisher of the information can not provide sufficient documentation to verify the account including the original signed agreement, full payment history, and proof of chain of custody this item must be permanently deleted from my credit report. 

I expect a response within 30 days as required by law. Please send all correspondence in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I am filing this complaint regarding an installment loan issued to me by XXXX XXXX XXXX XXXX XXXXXXXX, facilitated by NetCredit. The annual percentage rate ( APR ) on my loan is an astonishing 98.68 %, which has created significant financial hardship and severely disrupted my ability to cover basic living expenses such as rent, utilities, and groceries. 

Despite making timely payments, I have paid a substantial amount in interest and fees, and my principal balance remains virtually untouched. I am actively trying to resolve this debt in good faith. 

On XX/XX/year> I contacted NetCredit 's Final Resolution Team to formally raise my concerns about the loan 's high interest rate and the financial damage it has caused me. I clearly stated that I am experiencing financial hardship and that I am unable to keep up with my essential living bills due to this loan. 

I asked to negotiate a fair and reasonable settlement, including options like applying the excessive interest I've already paid toward my principal or arranging a payment plan I can reasonably afford. 

Instead of helping, NetCredit outright denied my request and told me : They do not offer settlements at this time They do not have a hardship program They advised me to call their general customer service line if I wanted to " adjust any upcoming payments '' This response was automated and impersonal, and it ignored the seriousness of my financial hardship. It felt like my situation was brushed aside. 

Why I'm Filing This Complaint : The loan carries an excessively high interest rate that I believe is predatory in nature. 

I am making payments but am unable to escape the debt cycle because the interest is so disproportionately high. 

NetCredit refused to offer any hardship relief or discuss alternative repayment terms. 

I am suffering financial harm, stress, and a decline in my mental and physical well-being as a result of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: SC

Complaint narrative:
I am disputing a debt allegedly owed to XXXX XXXX that is now being collected by Credit Control LLC. I did not authorize this debt to be sold, shared, or collected by a third party. Credit Control has not provided any signed contract, proof of assignment, or validation. 

Additionally, XXXX XXXX is still actively reporting both accounts on my credit report as closed and placed for collection, with balances of {$88.00} and {$90.00}. This suggests XXXX has not legally transferred the debt. If so, Credit Control is collecting without legal authority. If the debt was sold, XXXX should not still be reporting. 

This is a violation of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am attaching screenshots from XXXX XXXX ( XXXX ) showing these duplicate and disputed accounts. Also valid for 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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year> I sent a request for debt validation and asked the company to cease all communication except by mail to the address listed. They continue to text and email me daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. At no time did I sign or otherwise authorize XXXX to report my loan account or payment information to any credit reporting agencies. 

Since XXXX does not have a signed credit reporting disclosure or authorization from me, they have no legal basis to report late payments, derogatory remarks, or any information related to this loan to credit bureaus. 

I hereby formally notify XXXX that their credit reporting activities concerning my account are unauthorized. I demand that XXXX immediately cease reporting any information about this account to all credit reporting agencies and request the deletion of any such information already reported. 

Failure to comply with this demand may constitute a violation of the Fair Credit Reporting Act, and I will pursue all legal remedies available to me to protect my credit and enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Accounts Established Via Identity Theft to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY.

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 2025-06-25 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY.

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 2025-06-25 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: MI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-25 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: SC

Complaint narrative:
b'Upon conducting a recent and thorough review of my credit report, I identified\nmultiple entries that are factually inaccurate and do not reflect my true credit\nhistory. As such, I am formally demanding immediate correction in accordance\nwith the Fair Credit Reporting Act (FCRA).\nUnder 15 U.S. Code  1681e(b), consumer reporting agencies are legally\nrequired to follow reasonable procedures to assure maximum possible\naccuracy of the information they report. Your failure to do so constitutes a direct\nviolation of federal law.\n15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A) In\ngeneral if, after any reinvestigation under paragraph (1) of any information\ndisputed by a consumer, an item of the information is found to be inaccurate or\nincomplete or cannot be verified, the consumer reporting agency shall promptly\ndelete that item of information from the file of the consumer, or modify that item\nof information, as appropriate, based on the results of the reinvestigation;\nFurthermore, pursuant to 15 U.S. Code  1681i(a)(5), if any disputed information\nis found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the\nreporting agency must promptly delete or modify that item and (ii)promptly notify\nthe furnisher of that information that the information has been modified or deleted\nfrom the file of the consumer.\n\nPlease remove the following items from my credit report, 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

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a 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 XXXX 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 if 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 2025-06-25 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXXXXE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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