vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I've used PayPal for XXXX  Years now, and I have never violated the Acceptable Use Policy or Terms of Service. Despite this, I received an email on XX/XX/year> stating : " Were no longer offering PayPal services for this account Based on the information we have today, it appears that there was activity on this account that we can not process. '' I mainly use PayPal to receive payment from my XXXX business and send payments to services like XXXX. In addition, my PayPal is authenticated and connected to the website " XXXX  where I receive payments from Commissions. Everything I do on PayPal is completely legitimate. I know that there are no disputes or chargebacks on my account as well because I communicate with my clients so that they are satisfied with my service. 

Here 's the only transactions I've done in the last 30 days : XXXX. Sent XXXX XXXX Payment for XXXX. 

After reviewing my account details and transactions, I do not know what could have triggered the permanent limitation. I am wondering if it could have been a mistake or a false positive from Paypal systems. I have not received any payments for a month because I took a break from work. I suspect this can also be due to me removing Paypal as a payment method from XXXX of my subscribed services XXXX days prior to my restriction. 

I have used your invoice system and Paypal.me Links properly for my Clients. And I have always paid the Fees deducted from my business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
The credit bureaus refused to remove this information.

According to 15.U.S.C.1692 ( c ) you have violated my rights by inlawful communication. Please remove this collection off of my credit report 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 2025-06-16 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: FL

Complaint narrative:
Complaint Title : Pay for Delete Agreement Not Honored Account Still Reporting Negative Issue Description : I am submitting this complaint regarding an account with XXXX XXXX XXXXXXXX ( Account ending in XXXX ) that was paid in full under a Pay for Delete agreement. Despite fulfilling the payment terms, the account continues to report negatively on all three credit bureaus ( XXXX, Experian, and XXXX ). 

Key Facts : Original Creditor : XXXX XXXX XXXXXXXX Account Type : Revolving Credit Card Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$0.00} Status : Negative ( with late payments still reporting ) Reporting Date : As recent as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  This continued negative reporting directly contradicts the terms of the Pay for Delete agreement made with the creditor, and is causing substantial harm to my credit profile. Additionally, it constitutes multiple violations of federal consumer protection laws. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) : Fails to maintain maximum possible accuracy. This account should no longer be reported negatively after a deletion agreement and full payment. 

Truth in Lending Act ( TILA ) 15 U.S. Code 1601 : Misleading and unfair credit reporting post-payment contradicts fair credit practices and consumer disclosure protections. 

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code 6801 : Negligent handling of agreed-upon private financial information without honoring consent-based terms.

Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 : Continued negative reporting impacts my ability to obtain future credit, and constitutes unfair treatment post-resolution.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

From my knowledge i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that didnt pay and was marked late because this clearly is a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

From my knowledge i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that didnt pay and was marked late because this clearly is a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This unknown company file bad debt for collection on my credit report XXXXShowing original credit name Credit Management Company . I have never heard of this company or did any business with this company. I need it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I filed an application ( paper form ) which was received by the department of education/Mohela on XX/XX/scrub>/25. Since that time the application has been listed as " in process. '' I attempted to reach out to find out when the application will be processed and the reason for the delay but was only given the response of " we are processing application as fast as we can. '' It has been 5 months since my form was submitted and since that time I have been in forebearance against my will. I have not been able to make payments that will count towards PSLF and my loans are accruing interest. There is no reason for an application to be " in process '' for 6 months.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
LEGAL NOTICE TO EXPERIAN UNLAWFUL XXXX XXXX REPORTING Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX  RE : URGENT DEMAND TO DELETE FALSE AND DUPLICATIVE XXXX  ACCOUNT REPORTING FCRA AND TILA VIOLATIONS To Experian Legal Compliance Division : This letter serves as my formal and final legal notice demanding the immediate deletion of inaccurate, inconsistent, and illegally reported late payments associated with XXXX  account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your reporting contains violations of multiple federal laws, substantiated by documented discrepancies and screenshot evidence that will be submitted to the CFPB and State Attorney Generals office as Exhibits XXXX 

FACTUAL ERRORS AND DUPLICATIONS : - You have reported conflicting Date Opened entries : XX/XX/XXXXXXXX  vs. XX/XX/XXXX. 
- Conflicting Date of Last Activity : XX/XX/XXXXXXXX  vs. XX/XX/XXXX. 
- Mismatched Last Verified and Date Reported fields. 
- Duplicated 30-day late marks for the same months ( XXXX  : XXXX entries, Experian : XXXX entries ). 
- Months previously marked OK have been arbitrarily changed to 30 ( XXXX XXXX XXXX  ). 
- This account is falsely marked as Account not disputed, in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
VIOLATIONS OF FEDERAL LAW : 1. * * 15 U.S.C. 1681e ( b ) * * Failure to maintain accurate consumer data.

2. * * 15 U.S.C. 1681i * * Failure to conduct a lawful reinvestigation of prior disputes.

3. * * 15 U.S.C. 1666b * * Violation of the Truth in Lending Acts 21-day billing rule.

4. * * 12 CFR 1026.13 * * XXXX  failure to suspend negative reporting during billing disputes.

5. * * 15 U.S.C. 1681s-2 ( a ) ( 3 ) * * Unlawful omission of dispute indicators. 

DEMAND FOR CORRECTIVE ACTION : You are hereby demanded to take the following actions within 15 calendar days : 1. Delete all derogatory XXXX tradeline history from my consumer report. 
2. Mark this account as Disputed by Consumer in the interim. 
3. Confirm in writing that all incorrect, duplicative, and unverifiable data has been removed. 

FAILURE TO COMPLY : If this account is not corrected within 15 days, I will proceed with : - Regulatory complaints filed with the * * CFPB * *, * * FTC * *, and * * State Attorney General * * ; - Civil litigation under * * 15 U.S.C. 1681n and 1681o * * for actual, statutory, and punitive damages. 

I have disputed this data numerous times. The burden is now on you to rectify this unlawful and harmful credit reporting. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-16 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: Byrider Franchising, LLC
State: IN

Complaint narrative:
not my accounts, asked for them to provide proof this is my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
The amount of XXXX XXXX I've asked for copy of contract that I sign it also states this account was open XX/XX/year> i have not open and account the this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I found accounts that I did not authorize or recognize. These accounts are fraudulent, and I should not be held responsible for them. Under 15 U.S.C. 1681g, I request their removal within 15 days. Enclosed are documents supporting my claim.

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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Credit has not replied to installments made on this account. This account was closed and transferred to another loan agency. Acc number XXXX

Company response to consumer: Closed with explanation