vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing this complaint because PayPal has repeatedly failed to provide legally required transaction documentation and written verification related to a disputed transaction involving XXXX and XXXX XXXX. 

XXXX claims they issued a {$910.00} refund to my PayPal account on XX/XX/year> for tickets I never received. 
This refund does not exist. 

I have contacted PayPal multiple times, and PayPal representatives have verbally confirmed that : No refund of {$910.00} was issued on XX/XX/year> ; and No refund of that amount was issued at any time during the relevant period. 


However, PayPal refuses to provide : A written statement confirming the absence of this refund A complete PayPal account statement for XXXX of XXXX. 

Copies of recorded calls where their representatives acknowledged no such refund exists. 

Any documentation I need to resolve this matter with XXXX  XXXX Because PayPal will not release required documentation, XXXX  XXXX re-billed me {$830.00} for a transaction where I : 1. Never received the tickets I purchased 2. Never received the refund XXXX claims was issued For clarity, the only XXXXrelated credit in my PayPal account was a separate {$22.00} refund, which is unrelated to the disputed {$910.00} amount. 

Requested Resolution : 1. Provide a written statement confirming no {$910.00} refund was issued. 



2. Provide recordings or transcripts of the calls where PayPal confirmed no such refund exists.

4. Correct any internal records reflecting a refund that did not occur.

PayPals refusal to provide documentation is preventing me from resolving a legitimate financial dispute and causing material financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-24 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: MD

Complaint narrative:
I want the hard inquiries I already disputed with XXXX XXXX to be removed from my credit reports. I dispute four hard inquiries. So far, I have been able to receive two out of four letters directly from companies and I am waiting for the other two as proof to send to Experian when I make another complaint about the Consumer Protection. I wrote to Experian 3 times in the past year or so after looking at my credit reports to see some hard inquiries were made without my knowledge. I know I did not make these hard inquiries as I have negative history with these companies, and you can see this in my credit report that I do and would not open any accounts or would try to. I dispute the hard inquiries with Experian multiple times. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX. XXXX XX/XX/XXXX, And XXXX. XXXX mortgage ( XX/XX/XXXX. Experian stated their data furnisher XXXX  XXXX reported these hard inquiries as accurate, however upon reaching out to the companies myself which has been time consuming and frustrating the company provided me two letters as well as stated they reported to Experian to remove these inquiries but no action has been done to them .Please remove these inaccuracies as the direct data furnishers have already sent for Experian to remove it. I would like this to be done swiftly as this credit report does not reflect my true credit worthiness.

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 2025-11-24 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: NY

Complaint narrative:
I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXX/XX/XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

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 2025-11-24 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:
Could you recheck this entry? Its late and might not be right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection from XXXX you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following items are fraudulent : 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 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 explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
The following items are fraudulent : 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 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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A XXXX XXXX credit card account was charged off on XX/XX/XXXX. My last payment on the account was on XX/XX/XXXX, which places the true Date of First Delinquency in XXXX. 

Midland Credit Management later purchased the debt and began reporting the collection account with an Opened Date of XX/XX/XXXX. This date does not reflect the actual delinquency timeline and improperly resets the age of the debt. 

Under FCRA 623 ( a ) ( 5 ), debt buyers are required to report the original Date of First Delinquency supplied by the original creditor. Under FCRA 605 ( c ), furnishing a new opened date that extends the reporting period is prohibited because it constitutes illegal re-aging. 

As a result, XXXX is reporting inaccurate and misleading information that makes the debt appear newer than it actually is. This incorrect reporting continues to negatively affect my credit. 

I am requesting that XXXX provide the accurate DOFD from Capital XXXX or delete the re-aged collection account entirely to comply with FCRA requirements and the XXXX XXXX order involving XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: KY

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZED ON MY CREDIT REPORTS AND IT IS RECENTING ME FROM RECEIVING CREDITS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of 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 2025-11-24 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: GA

Complaint narrative:
I am a consumer attempting to fix my credit. The following information being reported on my credit file is inaccurate, incomplete, or can not be properly verified. I am requesting a full FCRA reinvestigation and the removal of any unverifiable or inaccurate accounts, inquiries, and late payments.

Charged Off Accounts XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$300.00} XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$45.00} XXXX  Account : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$640.00} XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$180.00} XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$1000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments 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 explanation
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 believe the following accounts and payment histories are being reported inaccurately and may be tied to the recent exposure of my personal information from data breaches. I am asking for verification or removal under the FCRA. 

CHARGED OFF ACCOUNTS ( 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 No inquiries reported for removal. 

LATE PAYMENTS ( 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 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 explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am requesting a full investigation into the following items. Some accounts and inquiries appear inaccurate or not authorized by me. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries may not be authorized or verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. My Experian report contains numerous fraudulent accounts and unauthorized inquiries. The reporting of this information violates my rights under the FCRA and Florida state law. This letter serves as my official statement under FCRA 605B, confirming these items are fraudulent and did not result from any transaction I made.

Fraudulent Accounts to be Removed : XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 

Unauthorized Hard Inquiries to be Removed : I did not authorize the following hard inquiries, which are a direct result of identity theft, a crime under Florida Statute 817.568 : XXXXXXXX XXXX XXXX  XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX ( Date : XX/XX/XXXX ). 
XXXX ( Date : XX/XX/XXXX ). 
XXXXXXXX XXXX XXXXXXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX ( Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Date : 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, XXXX, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation