vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX an unknown person hacked into my PayPal account and was able to access my payment information and make a number of fraudulent charges online at XXXX totaling to approximately {$2000.00}. The person changed my address on file to their address in another state and used my name to have the items shipped to their home. XXXX of these fraudulent charges, totaling to {$500.00} was denied by my bank therefore PayPal paid the company XXXX directly. As a result, I did not get refunded by my bank and PayPal requested that I resolve the negative balance with my own money, even though I did not make this fraudulent charge. I have filed several claims and opened several cases with PayPal, however they refuse to verify factual information and complete the proper investigations to resolve this issue. I have also filed a police report and am in communication with a lawyer to determine if legal action needs to be taken against PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Background and Timeline of Events Prior to XX/XX/year> : I notified TransUnion of a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account on my credit report. Despite my alert, the fraudulent account continued to appear on my file and was later marked as verified without any substantive investigation or supporting evidence. 
XX/XX/year> : After repeated attempts to have this account removed, and in light of XXXX refusal to properly investigate and remove the fraudulent entry, I formally initiated a dispute with TransUnion. In my dispute submission, I included an official FTC Identity Theft Report along with documentation verifying that the XXXX XXXX  account was the result of identity theft. 
XXXX XXXX, 2025 : Despite my efforts and the provided FTC report, the fraudulent account continued to reappear on my credit report, and TransUnion did not conduct a proper investigation. 
XX/XX/year> : I received a status update from TransUnion stating : It's been XXXX days since we received your dispute and we're still waiting for a response from your creditor ( XXXX ). We'll continue to keep you updated on the status. 
By this date, more than the required XXXX business days had passed, and no action had been taken to remove the fraudulent account. 
Violation of the FCRA Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681c-2 credit reporting agencies are required to block or remove information resulting from identity theft within XXXX  business days of receiving a consumers identity theft report and supporting documentation. I met all these requirements by : Notifying TransUnion of the fraudulent account well before XXXX  XXXX, XXXX.

Filing a formal dispute on XX/XX/year>, including an FTC Identity Theft Report and sufficient evidence that the XXXX XXXX  account was fraudulent. 
XXXX failure to remove the fraudulent account and their reliance on unverifiable evidenceeven labeling the account as verifiedconstitute a clear violation of the FCRA. 

Harm Caused by XXXX XXXX XXXX  inaction and repeated failure to investigate properly have resulted in ongoing harm : Credit Damage : The fraudulent XXXX FCU account adversely affects my XXXX XXXX and overall creditworthiness, potentially leading to credit denials or higher interest rates. 
Emotional Distress and Reputational Harm : I have experienced significant stress and anxiety knowing that a fraudulent and unverified account continues to appear on my credit report, undermining my financial reputation. 
Financial Vulnerability : The continued presence of the fraudulent account exposes me to potential future complications, such as being mistakenly held liable for debts I did not incur.

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 2025-03-09 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-09 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute Regarding Inaccurate information on My Credit Report Dear Experian I am writing to formally dispute inaccurate information on my credit report that I belive is harming my finacial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigating into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau field a lawsuit against Experian for its failure to properly investigate consumer, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include :

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 2025-03-09 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute Regarding Inaccurate information on My Credit Report Dear Experian I am writing to formally dispute inaccurate information on my credit report that I belive is harming my finacial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigating into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau field a lawsuit against Experian for its failure to properly investigate consumer, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: CA

Complaint narrative:
I XXXX XXXX IN XXXX OF XXXX SOLD A CAR TO CARMAX. CARMAX GAVE FAIR PRICE FOR MY CAR AND I DECIDE PUCHASE ANOTHER CAR FOR MY DAUGHTER FROM CARMAX. CARMAX OFFER 30 DAY RETURN OR EXCHANGE POLICY. I GOT XXXX XXXX XXXX WITH MONTHLY PAYMENT OF LESS THAN {$500.00}. 
WEEK LATER I DID EXCHANGE TO A BETTER VERSION AND HIGGHER MODEL. SALES PERSON WHO HELP ME, ASSIST ME TO FIND XXXX XXXX XXXX WHICH I LIKE IT. NEW CAR PRICE IS {$2000.00} LESS THAN PREVIOUS CAR 'S PRICE, PAPER WORK FOR RETURN AND NEW VEHICLE PURCHASE REDONE. UNFORTUNATELY NEW MONTHLY PAYMENT WENT UP TO {$550.00}, I ASKTHE GUY WHY IS NEW PAYMENT HIGH? - DIDN'T GET PROPER ANSWER. WELL I KEEP FORWARD, GET THE CAR WITH INTEREST RATE OF 12.95 % AND {$550.00} MONTHLY PAYMENT. 3 MONTH LATER I CALLED CARMAX FINANCIAL TO FID OUT INTEREST CHARGE OF MONTHLY BILL -WHICH BECOMING OVER 40 %. CARMAX REPRESENTATIVE GAVE SOME EXPLANATION, AFTER I STOPPED AT XXXX CARMAX LOCATION FOR BMORE ANSWER -NO RESULT. ON XX/XX/XXXX I CALLED CARMAX FINANCIAL ASKED FOR MANAGER - HE SAID WHEN I'M NOT ON TIME, THERE'S DAILY FINANCE CHARGE. I ASK -WHY THERE'S FINANCE CHARGE PLUS DAILY FINANCE CHARGE AND I NEVER LATE, ALWAYS MAKE PAYMENT ON TIME. AFTER MY CALCULATION THIS XXXX XXXX XXXX WHICH AT THE TIME OF PURCHASE IS {$22.00}, AT LEAST {$10.00} OVER THE PRICE. THE PRICE AT THE END IS BECOMING CLOSE TO {$40.00} WHEN I PAID OFF. PLEASE HELP ME TO SOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a formal complaint in writing and sent in certified mail requesting for the 1099 Cancellation of Debt from XXXX  XXXX XXXX # XXXX charged off XX/XX/XXXX for {$820.00}. I was not provided this information to file as income on my tax return and need it to make amend. I also requested Equifax and XXXX to remove the inaccuracies on my consumer report that has cause me to be denied a credit card from XXXX XXXX. I sent the letter along with the supporting document I've attached. The only thing missing is the divorce decree which was sent to each company certified mail XX/XX/XXXX to correct my name and aka.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-09 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX XXXX  IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX : Account Number : XXXX XXXX  XXXX : Account Number : XXXX INQUIRIES : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX XXXX  IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX : Account Number : XXXX XXXX  XXXX : Account Number : XXXX INQUIRIES : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am writing to formally dispute the unauthorized access and use of my personal information as it relates to my consumer credit report and financial data. Upon reviewing my records, I have identified instances where my personal and financial data were accessed or used for account XXXX without my consent, in violation of the following federal statutes : 1. 15 USC 6802 Privacy of Consumer Financial Information : Under this provision of the Gramm-Leach-Bliley Act, financial institutions are prohibited from disclosing personal financial information without explicit consent from the consumer. I assert that my personal financial information has been accessed or shared without my consent, which violates the provisions outlined in 15 USC 6802. I request immediate clarification and resolution regarding how my data was accessed and why this occurred.

2. 15 USC 1681b Permissible Purpose for Obtaining 
Consumer Report : Under the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed for permissible purposes as defined under 15 USC 1681b. I do not believe the party requesting access to my credit report had a valid, permissible purpose to do so. I request that you provide a full explanation and documentation of the legitimate purpose for any inquiries made into my credit report, as well as any actions taken based on that information.

3. 18 USC 1028A Identity Theft : The unauthorized use of my personal information may also constitute identity theft under 18 USC 1028A. If my identity has been stolen, I demand an immediate investigation into this matter, and all necessary actions to rectify any fraudulent activities associated with my name and personal data. I request that you provide me with detailed information on any suspected fraudulent activities that have occurred. 
As a consumer, I have the right to protect my personal and financial information from misuse and unauthorized access. Please investigate these concerns immediately and provide me with a resolution. If my information has been accessed or used inappropriately, I demand that corrective actions be taken and any negative impacts on my credit report be corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contra
vene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) again : similar violations. I request that this take action to ensure Equifax complete federal law and provide consumers with necessary proof of investigation. Accounts Conserve XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX To : Portfolio Recovery Associates , LLC. XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Validation and Proof of Claim Request Merchant : Rooms To Go Original Creditor : XXXX XXXX Account # XXXX Reference # XXXX XXXX This is my final attempt to get proper validation and proof of claim for this debt. You have sent statements that are not valid proof of this debt.

This is to advise you that pursuant to the Fair Debt Collection Practices ( FDCPA ) 15 USC 1692c ( c ), you are hereby notified to immediately terminate any contact with me or any members of my family or household, and/or associates in connection, regarding any matter concerning the collection of an alleged debt you are attempting to collect. You are further prohibited from contacting my employer, my bank or any other third party associated with me, directly or indirectly. 
Each and every attempted contact, in violation of this XXXX, will constitute harassment, defamation of character, and slander of credit reputation which will subject your agency and/or board, and all agents in his/her/their individual capacities, who take part in such harassment, and duration, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and any further liability for legal fees to be paid to any counsel which I may retain.

This letter serves as formal notice that you CEASE and DESIST immediately all communication and/or activities relating to this derogatory debt ( account in question ). 
Thank you for your prompt attention to this very important matter, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
Equifax : XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Letter & Request for Debt Validation To Whom It May Concern : I am writing to dispute the following items on my credit report : PORTFOLIO RECOVERY DEPTEDNELNET Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting validation and detailed verification of these items. Specifically, I require : 1. Complete documentation showing you have verified the accuracy of these items with the original creditor, as required by 15 U.S.C. 1681i ( a )..

2. Copies of all pertinent information relating to these items, including but not limited to Original signed contracts or agreement - Account statements showing the alleged default - Documentation of assignment/transfer if debt was sold - Proof of your legal right to report this information - Documentation of all dispute investigations conducted 3. Evidence that you have followed " reasonable procedures to assure maximum possible accuracy of the information as required by 15 U.S.C. 1681e ( b ) Please note that under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to : - Complete your investigation within 30 days ( 45 days if I provide additional relevant information ) - Forward all relevant information to the furnisher - Report the results to me- Provide a free copy of my credit report if the dispute results in a change If you can not provide complete verification and validation of these items within the statutory timeframe, you must delete them from my credit report as required by the FCRA, 15 U.S.C. $ 1681i ( a ) Additionally, please ensure that these disputed items are marked as " disputed '' on my credit report while your investigation is pending, as required by 15 U.S.C. 1681c ( f ).

This is a formal request under the FCRA, and the clock for your 30-day response requirement begins from the date of your receipt of this letter. Failure to comply with these legally required actions may constitute a violation of the FCRA. 

I look forward to your prompt response and thank you for your timely attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a formal complaint in writing and sent in certified mail requesting for the 1099 Cancellation of Debt from XXXX  XXXX XXXX # XXXX charged off XX/XX/XXXX for {$820.00}. I was not provided this information to file as income on my tax return and need it to make amend. I also requested Equifax and XXXX to remove the inaccuracies on my consumer report that has cause me to be denied a credit card from XXXX XXXX. I sent the letter along with the supporting document I've attached. The only thing missing is the divorce decree which was sent to each company certified mail XX/XX/XXXX to correct my name and aka.

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 2025-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief