vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
XXXX : FORMAL DEMAND FOR REINVESTIGATION OF DISPUTED ITEMS UNDER FCRA 611 ( 15 U.S.C. 1681i ) ; WILLFUL NON-COMPLIANCE WILL RESULT IN LITIGATION** To Whom It May Concern : **TAKE URGENT NOTICE : ** This is a **final written demand** for your immediate compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i, regarding your **blatant failure** to properly reinvestigate the following disputed items on my consumer report : XXXX federal Account Number : XXXX credit card ending in XXXX & XXXX credit card ending in XXXX XXXX LEGAL VIOLATIONS : ** XXXX. 
**Failure to Reinvestigate** You ignored my prior disputes ** and unlawfully verified inaccurate information without proper investigation, violating FCRA 611 ( a ) ( 1 ) ( A ).

2.

**Furnisher Collusion** You relied on fraudulent or unverified data from ** [ XXXX XXXX  XXXX ] **, violating FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ( failing to maintain reasonable procedures ).

3. 
**Defamation & Willful Non-Compliance** Your refusal to correct inaccuracies constitutes defamation under FCRA 623, 15 U.S.C. 1681s-2, and **willful disregard** of federal law.

**I HEREBY DEMAND THE FOLLOWING WITHIN XXXX  DAYS : ** 1.

**DELETE ALL DISPUTED ITEMS** from my credit file and provide written confirmation of deletion.

2.

**DISCLOSE** the methodology and documentation used to " verify '' these items, including all communications with furnishers.

3.

**CEASE REPORTING** these fraudulent accounts immediately.

**LEGAL WARNING : ** - Under FCRA 616 ( 15 U.S.C. 1681n ), **willful non-compliance** entitles me to statutory damages of ** {$1000.00} PER VIOLATION**, punitive damages, and attorney fees. 
- Under FCRA 617 ( 15 U.S.C. 1681o ), your **negligent non-compliance** further exposes you to actual damages.

- If you fail to act, I will : - File formal complaints with the **CFPB** **FTC**,, and ** [ State Attorney General ] **. 
- XXXX you in federal court under FCRA XXXX and seek **maximum penalties**. 
- Pursue criminal charges for **fraudulent credit reporting** under 18 U.S.C. 1028 if identity theft is confirmed. 
**THIS IS YOUR FINAL OPPORTUNITY TO AVOID A LEGAL FIRESTORM.

** **YOU ARE HEREBY PUT ON NOTICE : ** Continued reporting of these disputed items will be treated as **malicious, willful, and intentional defamation** under federal and state law. I will hold your executives, agents, and third-party contractors **personally liable** for these flagrant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-18 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-18 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: GA

Complaint narrative:
Balance is not accurately reported on credit report. Credit report showing late with all three credit bureaus. Correct balance should show current AND paid as agreed with most recent payment of XXXX on XX/XX/year>. Please update to reflect correct status immediately per contractual 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 2025-03-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received two {$50.00} American Express gift cards last year. I successfully used one without any issues, but the second card did not go through. When I contacted the operator, they advised me to reach out to the person who gave me the gift card along with the receipt. However, it was a gift, and I do not have the receipt.

Who gives a receipt when they are given a XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-03-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-03-18 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Previously, Ive submitted a complaint with Experian, Equifax, Transunion. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. Your company has Sued Experian for reporting errors against consumers ( me ). Below attached is a previous submitted form with CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX

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 2025-03-18 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: NC

Complaint narrative:
Previously, Ive submitted a complaint with Experian, Equifax, Transunion. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. Your company has Sued Experian for reporting errors against consumers ( me ). Below attached is a previous submitted form with CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Over several months, I made multiple payments through PayPal for fraudulent services that were misrepresented and never fulfilled. The scammer, XXXX, claimed to offer XXXX marketing and automation services but continuously pressured me into making payments under false pretenses. She convinced me that these payments were essential for my business success. 

After thoroughly investigating my transactions and speaking with XXXX XXXX, I discovered that this entire operation was a scam. XXXX confirmed that the orders in my store were fake and manually created by XXXX to make it appear as if I was generating legitimate sales. This deception led me to continue making payments through PayPal, believing I was investing in a profitable business.

One of these fraudulent transactions was processed through PayPals Friends and Family option, where XXXX mentioned that her PayPal account was on a pending holdlikely due to other victims reporting her for fraud. This raises serious concerns about PayPals ability to track fraudulent accounts and protect users from scams.

Most of the fraudulent PayPal transactions were processed through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also filed CFPB disputes against these companies due to a combination of their lack of assistance and PayPals refusal to process chargebacks. Despite these transactions occurring on well-known platforms, PayPal failed to protect me from fraudulent activity and has blocked my ability to dispute these payments.

I attempted to dispute these fraudulent payments, but PayPal refused to assist, citing their 180-day dispute limiteven though I only recently confirmed that I was scammed. My bank XXXX XXXX  XXXX XXXX ) informed me that PayPal is responsible for handling disputes related to these transactions, yet PayPal refuses to take action.

I have attached screenshots of my communications with PayPal support, transaction records, and proof from XXXX confirming that these payments were based on fraud. PayPals refusal to allow me to dispute these transactions, despite clear evidence of fraud, is unacceptable.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to require PayPal to allow me to dispute these transactions and process refunds for the fraudulent payments. PayPal should not be enabling scammers to operate on their platform while blocking victims from recovering their stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting Dear CFPB Representative, I am filing a complaint regarding inaccurate information on my credit report by kohls capital one credit card. 

XXXX. Issue : The credit report shows a delinquent payment for in XXXX, XX/XX/year>. 
Payment due was {$64.00}, with late fees levied as {$40.00} for each month.

2. Action Taken : I contacted capital one and they refunded the late fees for two months which is {$80.00} along with interest fees, acknowledging their mistake. 
Despite this, the delinquent entry remains on my credit report. 

XXXX. Dispute : I have disputed the information with the credit bureaus, but the error persists. 

XXXX. Request : Please assist in correcting this inaccurate entry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC
State: KY

Complaint narrative:
I dont even believe this to be my dad, I do believe this to be fraud for my past. Regardless of that we had already come to an agreement, they have not contacted me to make any payments, but I let them know I was going to be willing to set up a payment plan. 
They sent me what I believe to be paperwork to trick me to sign it, so they can send it to the court, and they are going to try to manipulate me into paying more than what we already agreed upon. 
This company is once again, making threats against me. 
They have not tried to properly contact me to set up a payment plan. 
They are threatening to put a lien on my property, I do not have any property though in my name. 
They are also threatening to try to make me pay more than what is owed, I have the proof in writing that payments were already made, and that I owe less than half of what they were originally trying to get me to pay. I also know for a fact that they were sending me fake court paperwork. 
They were also trying to manipulate me into signing documentation that they claimed they wouldve then sent to the court to cause me to pay more than what is actually owed. 
The remainder of the debt owed is only {$1000.00}, they pushed me to agree to {$1200.00} which is more than what is actually owed, and I agreed because they are so predatory and keep threatening me with court as well. 
At this point, I need to just get an attorney because I can not live like this any longer. 
I might have to file bankruptcy because of predatory companies like this.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1. Confirmation of corrections made to the disputed items. 2. Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). XXXX. Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BILL.COM, LLC
State: NY

Complaint narrative:
I received a payment of {$500.00} on XX/XX/year> through Bill.com which was stated to be received in my bank account on XX/XX/year> by Bill.com. On XX/XX/year> I tried logging into the website and couldn't access my account. On XX/XX/year> I contacted support and they said my account was terminated but I could appeal to have it reopened. I appealed and was denied. So here I am on XX/XX/year> with no access to my account or invoices and no access to the money I was supposed to receive in my bank account yesterday.

Company response to consumer: Closed with explanation