vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I purchased digital goods from XXXX via PayPal, but instead of receiving the promised product, I was initially sent a thank you note with a view order button that when clicked auto downloads a zip file, inside the zip file are 2 pdfs. thinking there might have been an error I reached out to medfocus they then sent a link that again automatically downloaded the same ZIP file. as mentioned verbatim from their listing I was supposed to receive ALL the medical subjects in our catalog over XXXX pages of what is supposed to be a fully formatted, high-quality PDF XXXX XXXX 

However, the ZIP files that were auto downloaded did not contain any of those medical subjects or a portion of the XXXX pages. Instead, it only included a manual containing hyperlinks. These links redirected me to files hosted on XXXX XXXX and XXXX, which were most likely set to restricted access. I was not given any actual files just a list of cloud storage links. 

Later, I noticed the seller quietly changed the product description of that product listing from XXXX pages to XXXX pages after I raised a dispute to PayPal which appears to be an attempt to cover up the false advertising. 

I opened a few of the hyperlinks to preview them and conducted a side-by-side comparison with another very similar looking medical material also being sold online. I did this to verify if there's an ongoing deception and was building a case against the seller, XXXX to PayPal. I did not download any of the linked files, only viewed them in-browser. 

I filed a dispute through PayPal and provided evidence including screenshots of the misleading product description and contents of the ZIP file. Despite this, PayPal ruled in favor of the seller and gave no meaningful explanation. 

PayPal later called me directly and discouraged me from escalating the case further, saying it would be pointless. As a result, I was left with no resolution and no refund, despite receiving a misleading product.

I believe PayPal mishandled this dispute and failed to hold the seller accountable. I am requesting a full refund for the digital goods I purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: PA

Complaint narrative:
I went through XXXX XXXX XXXX in attempt of consolidation and my accounts are paid off in full. My XXXX account was paid over a year ago, and my XXXX account was paid in full and processed weeks ago. On my report for certain accounts, this is not accurately shown. I am seeing I have outstanding debt of {$8400.00} which is not true. I have no outstanding debt. These accounts have been settled and paid off with agreement of XXXX XXXX  through XXXX XXXX XXXX with having received confirmation of both parties of this. Also, my XXXX account was closed and paid in full potentially even a year and a half or so ago. I can not remember the date bc it was so long ago. XXXX is aware and has accepted the full payment through XXXX XXXX XXXX. I really need this to be reflected accurately across all of my credit scores and not all of them accurately do show this. I am working really hard to build my credit up after having gone through this situation and working extra hours and doing everything I can to correct the situation. I had not known at the time how much XXXX XXXX XXXX is a scam though all that a side, things have come to an agreement through all parties. I have no debt. Everything is paid off.

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 2025-04-20 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: PA

Complaint narrative:
I went through XXXX XXXX XXXX in attempt of consolidation and my accounts are paid off in full. My XXXX account was paid over a year ago, and my XXXX account was paid in full and processed weeks ago. On my report for certain accounts, this is not accurately shown. I am seeing I have outstanding debt of {$8400.00} which is not true. I have no outstanding debt. These accounts have been settled and paid off with agreement of XXXX XXXX  through XXXX XXXX XXXX with having received confirmation of both parties of this. Also, my XXXX account was closed and paid in full potentially even a year and a half or so ago. I can not remember the date bc it was so long ago. XXXX is aware and has accepted the full payment through XXXX XXXX XXXX. I really need this to be reflected accurately across all of my credit scores and not all of them accurately do show this. I am working really hard to build my credit up after having gone through this situation and working extra hours and doing everything I can to correct the situation. I had not known at the time how much XXXX XXXX XXXX is a scam though all that a side, things have come to an agreement through all parties. I have no debt. Everything is paid off.

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 2025-04-20 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-04-20 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: IL

Complaint narrative:
XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION/DELETION Account Name : XXXX XXXX XXXX {$400.00} To Whom It May Concern, This letter is a formal demand for the immediate investigation, validation, and/or removal of the above-referenced account from my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under FCRA 611, I am disputing the accuracy and legitimacy of this account. Additionally, under FCRA 607 ( b ), you are legally required to report only information that can be verified with maximum possible accuracy.

Furthermore, under FDCPA 809 ( b ), which applies to any debt collection-related information furnished to you, I am demanding : Legal proof that this debt belongs to me A copy of the original signed contract or agreement A full breakdown of the debt, including the original balance, itemized fees, interest, payments made, and charges added If the furnisher of this information can not produce this documentation, you are required by law to delete this account from my credit report immediately. 

Failure to comply with federal law and my lawful demand will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A complaint filed with the Federal Trade Commission ( FTC ) A potential civil lawsuit for violations of the FCRA and FDCPA This is not a courtesy requestit is a legal demand. I expect a written response confirming deletion or full validation of this account within 30 days, as required by law. 

If this inaccurate, unverified, or unvalidated account remains on my report after that time, I will take immediate legal action to protect my consumer rights. 

Govern yourselves accordingly. 

Sincerely, 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 2025-04-20 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: LA

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 2025-04-20 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello I am having a situation with Oportun A few months ago I paid the full balance I had with them, after making that payment, they removed late payments from my credit report, I contacted them a few days after and spoke to a representative to confirm that information. The person said that after making the final payment the removed the mark. Unfortunately they put the mark again when this was deleted and confirmed by them about this. 

Please help me to resolve this Thank you All I want is no more negative mark

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: ND

Complaint narrative:
My information and debt was sold to tek collect by XXXX XXXX XXXX. Which then accused me of being late on payment and sent numerous text and emails stating that I still need to continue paying for a treatment I did not receive. When I ignored their advances their reported it to the credit bureau and messed up my credit. I had made my payments up until their bankruptcy and well after the stopped my treatment. They also lied about how much I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
they violated my right as consumer under 15 usc 1681b and i need this account blocked and deleted off my credit report as soon as possibble Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number for the loan : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
MOHELA is illegally not processing my PSLF, illegally hiding paperwork, ignoring federal law, not answering calls, refusing to fix payment issues, illegally taking my payments and ending to other people ( documented and sent over by XXXX XXXXXXXX XXXX ). They are not fixing and even called department of education who also found fraud. They are refusing to take calls and been caught lying about my loans. I will be paying a company doing this and if this a truly private company doing this the CEO would be in prison. 

This company been caught deleting my documents by the department of education, XXXX XXXX XXXX  office, and documented my self. 

You guys need to follow the law and forgive the loans under PSLF. Refusal will lead to criminal charges and a lawsuit. I've repeatedly sent the documents so at this point this is just fraud and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/year> dollars was taken out of my Account which I assumed was fraud, turns out it was not. I decided to ask XXXX  to freeze my account then afterwards I asked them to unfreeze it, but they kept telling me that I would have to wait 3 to 5 business days for a simple email so my account can be unfrozen. As of now I still have not received the email and it's hard trying to get anyone to help me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2025, my secured credit card account with Discover was closed without any prior notice, warning, or explanation. I had maintained a consistent history of on-time payments and believed my account was in good standing. 

The timing of this closure coincided with a XXXX  event : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, that left our community in shock. During this emotionally overwhelming time, I noticed that my account had been closed and was forced to make multiple calls to Discover customer service to understand why. No clear reason was provided. 

I was advised to reapply for a secured card and did so, only to be denied and told I would receive a written explanation in XXXX  business days. I have yet to receive that explanation, and I remain unsure of what caused the account closure or why I am now ineligible to reapply. 

I understand that secured cards operate under specific policies, but I was never informed of an issue or given the opportunity to address it. I would have taken immediate action had I known there was a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
They violated my right as consumer under 15 usc 1681b and i need this account blocked and deleted off my credit report as soon as possibble XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number for the loan : 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 2025-04-20 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: WA

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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Melar Investments, LLC
State: OK

Complaint narrative:
Kino Financial Co LLC out of XXXX, XXXX  sued me in XXXX of XXXX  for failure to pay a debt I had no knowledge of. They never once tried to contact me about this alleged debt, but instead hired XXXXXXXX XXXX XXXX XXXX  out of XXXX, XXXX  to sue me. After the original summons I issued back a letter to the Plantiff requesting validation of the debt, which in return I received back documents I have no knowledge of with signatures made electronically in my name. I have no idea how they have any grounds to prove this is my debt and I cant afford a lawyer and Im out of options. I have a judgment hearing on the XXXX of XXXX and Im not sure what my options are. This whole situation has felt rushed and unlawful and I feel Im being taken advantage of. I will attach the purchase agreement made in my name without my knowledge with electronic signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Due to fraudulent activities, I reached a " Pay to Delete '' settlement agreement with Synchrony Bank regarding an XXXX XXXX card account number : XXXX and a XXXX XXXX credit account number XXXX. I complied fully with the agreement, submitting payment in the agreed amount, which was received and processed. However, the account remains listed on my credit reports with XXXX XXXX and/or XXXX, XXXX to the terms outlined in the settlement agreement.

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 2025-04-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 2025-04-20 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
STUDENT LOAN UPDATE : XXXX  MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. THIS BREACH IS CLEAR VIOLATION OF FERPA AND YOUR RESPONSIBILITY TO SAFEGUARD MY INFORMATION. GIVEN THE SEVERITY OF THIS BREACH AND THE RESULTING COMPROMISE OF MY PERSONAL AND FINANCIAL INFORMATION, I REQUEST THAT YOU CANCEL AND DISCHARGE MY STUDENT LOAN DEBT IN FULL. PER XXXXXXXX XXXX  DATA BREACH AND VIOLATING FERPA AND FCRA. PER PRESIDENT XXXX, THE DEPARTMENT OF EDUCATION HAS BEEN DISMANTLED. PLEASE DELETE THE LOAN DEBT IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have received two letters from BOA explaining the reason for returning the check ( {$2500.00} ) produced by XXXX. The letters do not mention the reasons for the freeze, but say the account was frozen in both cases ( XX/XX/XXXX & XX/XX/XXXX ). The alert history shows that my account 's bill pay was deactivated on XX/XX/XXXX, and the notification says, " Due to changes in your account status, your XXXX XXXX service has been deactivated. We've canceled any automatic payment plans, XXXX, and external Pay From accounts that were set up in XXXX XXXX. Note : any scheduled payments set up in XXXX XXXX have also been canceled- so please make alternate arrangements to make those payments. '' I read the alerts once in XXXX weeks, and I never got any notification from BOA for future account deactivation. When I noticed this issue, I contacted the bank on XX/XX/XXXX and asked for the reasons for the account deactivation. The bank wanted to talk to my spouse, the co-owner of the account. She spoke to the bank customer care and provided the information they asked for. XXXX time XXXX issued a {$530.00} ( breaking a XXXX no-interest term ) + {$30.00} ( Return check ) charge due to returning the check. When I talked to XXXX customer care on XX/XX/XXXX, they agreed to waive the fee if I made the payment immediately. Based on that, I authorized XXXX to collect {$3000.00} from my BOA checking account. Again, BOA returned the check, and this added another {$40.00} charge on me by XXXX. Between these days ( XX/XX/XXXX & XX/XX/XXXX ), BOA issued funds to XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX  credit card service based on my request. 
In the last XXXX weeks, I made several calls to BOA XXXX XXXX, and they said the check was returned due to the routing number was wrong. I gave XXXX zeros instead of XXXX zeros in both incidents. Another customer care person said the account was never frozen, but there XXXX be technical reasons ( Server down ) to return the check. Another customer care person said the account was never frozen on XX/XX/XXXX but was frozen on XX/XX/XXXX, and the reason is unknown.

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