vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Description of Events Purchase and Issue : I purchased an item from XXXX through PayPal. One of the items was a lithium battery, which is classified as hazardous and can not legally be shipped or returned under federal law ( 49 CFR 173.185 ).

Refund Denial by Merchant : XXXX illegally withheld my refund. I contacted PayPal to open a dispute under Buyer Protection, which covers items that are not received or can not be returned safely. 
Unreasonable Requests by PayPal : PayPal repeatedly refused to approve the refund.

They demanded that I provide documentation from a shipping company stating that returning the battery is illegal or hazardous an impossible request, since federal law already prohibits shipping hazardous lithium batteries.

They refused to acknowledge that this is a legal issue or that Buyer Protection covers situations where a return is unsafe or illegal.

Repeated Call Transfers and Lack of Escalation : I have spoken with five different supervisors or agents over the course of three months. 

Each time, the issue was not resolved, and I was either bounced to another rep or told its your perspective or we do not have a compliance team. 

No supervisor has taken ownership or escalated the dispute to someone with authority.

Attempts to Comply in Good Faith : I disposed of the lithium battery responsibly in accordance with local hazardous waste regulations.

Despite acting in good faith, PayPal has refused to issue a refund, which is a violation of Buyer Protection.

Resulting Harm : This situation has caused three months of wasted time and frustration. PayPals refusal to escalate and demand for an impossible document constitutes unfair or deceptive practices, especially as PayPal does business in Colorado (
Colorado Consumer Protection Act, C.R.S. 6-1-101 et seq. ).

Requested Resolution : Immediate escalation to PayPal Claims / Compliance / Executive Escalation team.

Full refund under Buyer Protection without requiring an illegal return.

Consideration of reasonable compensation for three months of wasted time and effort. 

Written acknowledgment of the case being escalated and legal compliance noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX  someone broke into my car stole my information in using my information for phone line I got call from different phone companies.i ask to speak to they supervisor because it wasnt me but they refused to let me speak to them .. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery ( DBA Genesis Credit Recovery ) continues to report a false and unverified debt despite multiple disputes and repeated promises of removal. The account was placed by XXXX XXXX, which was managed by XXXX XXXX ( now XXXX XXXX XXXX ). It was reported in XX/XX/XXXX and appeared on my credit file by XX/XX/XXXX, even though the apartment stated in XX/XX/XXXX that the debt was being removed. The new management company has confirmed there is no record of this debt on their ledgers. 

XXXX XXXX  management changed in XX/XX/XXXX, yet Genesis has continued to report the account and has even increased the balance. They received my certified debt validation letter on XX/XX/XXXX, but have not responded. Genesis has since verified this account with all three credit bureaus despite providing no documentation or proof to support it. 

I have been disputing this matter since XX/XX/XXXX while actively seeking housing but have been denied due to this fraudulent account. The client ( property management ) has also reached out to Genesis with no response. Genesis instructed that disputes be submitted to their email, which was done, yet they still have not replied. 

I respectfully request that the CFPB conduct a full investigation and require Columbia Debt Recovery to delete this unverified account from all credit bureaus for continued and willful violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
This is not a mistake. My credit report contains inaccurate entries that fail to meet the requirement of maximum possible accuracy. These errors are causing measurable harm to my financial standing and emotional well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am filing a formal complaint against Jefferson Capital System, regarding a negative account reported on my credit report. Both Jefferson Capital and XXXX XXXX the company that collected the debt on behalf of Jefferson Capital System claim that this account is not reported to the credit bureau and never has been.

However, I have proof that this account is indeed reported and is negatively affecting my credit score. I paid the debt under the condition that they would remove this account from my credit report, yet it remains listed. Additionally, the CFPB simply closed the case without resolving the issue. 

This situation is unjust and has caused damage to my credit. I request immediate action to remove the account from my credit report and written confirmation that this has been completed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
I have had 3 voicemaiils left from the number XXXX ( at XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year>, all times Eastern ) claiming to be XXXX from United Collection Bureau , Inc , identifying themselves as a debt collector, and requesting I call back at XXXX. I have no debt I am aware with that is in collections, and given that the call sounds perfectly identical every time I believe it is a recording and therefore could NOT have gotten any information suggesting that they could in fact identify themselves as a debt collector. ( Assuming, of course, it's not a scam. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I am writing to formally request validation of the alleged debt you have claimed I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which provides me the right to request verification and detailed information regarding this debt before I take any further action.

Please provide the following information in writing : The name of the original creditor, including account number ( s ).

The amount of the alleged debt, including a detailed breakdown of fees, interest, or charges added.

A copy of any signed agreement or contract showing that I am legally obligated to pay. 

The date and method by which this alleged debt was acquired or transferred to your agency. 

Proof that your agency is authorized to collect in my state ( Virginia ). 

The date of last payment or activity on this account. 

Until I receive the requested documentation, I request that you cease all collection activity, including phone calls, letters, or reporting to credit bureaus. 

Please note that under the FDCPA, continued attempts to collect a debt without providing verification constitute a violation of federal law, and I will not hesitate to report such activity to the Consumer Financial Protection Bureau ( CFPB ), Virginia Attorney Generals Office, and the Federal Trade Commission ( FTC ). 

I expect your full compliance and response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Subject : Failure to correct and continued reporting of unlawful late-payment entries from Freedom Mortgage Corp in violation of 15 U.S.C. 1666, 12 C.F.R. 1026.13, and 15 U.S.C. 1681i Statement of Facts On my XXXX  consumer report dated XX/XX/year>, Freedom Mortgage Corp is shown reporting multiple 30-, 60-, 90-, 120-, 150-, and 180-day late-payment notations between XX/XX/year>XXXX XXXX XXXX XXXX 

These derogatory entries arose after I had submitted a written billing-error dispute directly to Freedom Mortgage , alleging misapplied or delayed payments and requesting validation of posted amounts.

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ) and Regulation Z 1026.13 ( d ) ( 1 ), a creditor is prohibited from reporting an account as delinquent while a billing dispute remains unresolved. 

Freedom Mortgage therefore violated federal law by continuing to furnish late-payment data during an open billing-error investigation. 

After receiving my disputeXXXX XXXX had a statutory duty under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation, forward my evidence to Freedom Mortgage, and delete or correct the unverifiable information within 30 days. 

XXXX  failed to correct or remove the inaccurate tradeline and continued publishing the delinquency data, which materially harmed my FICO Score and creditworthiness. 

Legal Basis 15 U.S.C. 1666 ( b ) ( 3 ) : Billing error includes a creditors failure to properly credit payments.

15 U.S.C. 1666 ( a ) ( 3 ) ( B ) : Prohibits reporting delinquency while a dispute is unresolved.

12 C.F.R. 1026.13 ( d ) ( 1 ) : Bars adverse credit reporting during a billing-error investigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of any information that can not be verified.

15 U.S.C. 1681s-2 ( b ) : Obligates furnishers to investigate and correct inaccuracies when notified by a CRA. 

Relief Requested That the CFPB require XXXX to delete all late-payment notations reported by Freedom Mortgage Corp between XX/XX/year> and XX/XX/year>. 

That XXXX update the Freedom Mortgage tradeline to read Pays as agreed never late. 

That XXXX  provide me with written confirmation of deletion and an immediately updated report. 

That the CFPB review XXXX reinvestigation procedures as a whole and all consumers to ensure compliance with 15 U.S.C. 1681i and consumer-dispute forwarding requirements. 

Certification I certify that the information provided herein is true and correct to the best of my knowledge and belief. 
All rights reserved under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), Truth in Lending Act, and Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Respectfully, XXXX XXXX XXXX Date : [ Insert Date ]

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 2025-10-21 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/year> I made a {$100.00} payment to my Citi Credit Card. Citi then charged me for two payments. The original {$100.00} payment and an additional {$230.00} payment. I called XX/XX/XXXX to inquire about it and request a refund. They said theyd get me the money back. Now they are saying it was denied and refusing to give me the money back and the {$74.00} in overdraft fees I had due to them overdrawing my account into the negatives since I had other payments set to come out of my account. I had carefully set aside all the money for bills into a separate account so since they charged me an additional {$230.00} I was negative and had to use {$300.00} of the next paycheck my partner and I received to cover that, leaving less money for bills the following week.

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 2025-10-21 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: AZ

Complaint narrative:
b'Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit\n report under Section 605B of the Fair Credit Reporting Act.\n The specific information I am disputing is as follows:XXXX FRAUDULENT 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

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 2025-10-21 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 am disputing inaccurate, unverifiable, and incomplete information being reported by Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

XXXX Mortgage is reporting late payments even though I have been in a CARES Act forbearance for over a year. XXXX XXXX XXXX and other third-party debt buyers are reporting collections without providing original contracts or validation. XXXX XXXX Bank shows a charge-off still marked as past due. XXXX XXXX XXXX reports new late payments after the account was closed in 2021, and XXXX continues to appear as past due even though it is closed with a {$0.00} balance. 

Several closed accounts are inaccurately showing collection or past-due statuses. My reports also contain outdated names and addresses my correct and only address is XXXX XXXX XXXX, XXXX, GA XXXX. 

These violations of FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ), and XXXX ( a ) and FDCPA XXXX ( XXXX ), XXXX ( b ) have caused ongoing harm to my creditworthiness. I request CFPB intervention to ensure reinvestigation, deletion of unverifiable information, correction of closed accounts, and removal of all outdated personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing inaccurate, unverifiable, and incomplete information being reported by Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

XXXX Mortgage is reporting late payments even though I have been in a CARES Act forbearance for over a year. XXXX XXXX XXXX and other third-party debt buyers are reporting collections without providing original contracts or validation. XXXX XXXX Bank shows a charge-off still marked as past due. XXXX XXXX XXXX reports new late payments after the account was closed in 2021, and XXXX continues to appear as past due even though it is closed with a {$0.00} balance. 

Several closed accounts are inaccurately showing collection or past-due statuses. My reports also contain outdated names and addresses my correct and only address is XXXX XXXX XXXX, XXXX, GA XXXX. 

These violations of FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ), and XXXX ( a ) and FDCPA XXXX ( XXXX ), XXXX ( b ) have caused ongoing harm to my creditworthiness. I request CFPB intervention to ensure reinvestigation, deletion of unverifiable information, correction of closed accounts, and removal of all outdated personal data.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TN

Complaint narrative:
15 U.S.C. 1681i : You are required to reinvestigate disputed information and delete or correct any inaccurate, incomplete, or unverifiable data within 30 days.

15 U.S.C. 1681a ( 3 ) : Defines who may legally access and report my credit information ; any entity reporting or accessing my data without proper purpose may be in violation.

15 U.S.C. 6802 of the Gramm-Leach-Bliley Act : Establishes obligations on how financial institutions like XXXX XXXX share and protect my personal financial information, which appears to have been mishandled in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
Since the move in I havent had any electricity or gas due to issues unresolved by the management company as XXXX stated I had to start new accounts on 2 separate occasions. I know we spoke briefly last week which I was informed that it wasnt much management could do. Also I didnt know that the ladder was hazardous until after the email sent over from management about needing access to take a look. The ladder in my loft unit was never properly secured which resulted in minor injury ( which I dont plan to take action on. I Figured it was an issue I had to resolve on my own. Although this still has not been fixed. I received notice from management/law office on their request to move to evict. I havent been able to live in the unit in XXXX exact XX/XX/XXXX was the last time I was in the unit. Following making contact with the property management I was met with the response Regarding the gas and electricity, these utilities are the responsibility of the tenant. Both services were active and in good working order under the landlords name prior to your move-in, which confirms that the systems were functioning properly. Additionally, you provided me with account numbers for both gas and electric at the time of move-in, which indicates that you had successfully set up the accounts. Any issues that have come up since then would need to be addressed directly with XXXX XXXX XXXX 

As far as I know, electricity was still active in your unit until the week of XX/XX/XXXX, when XXXX XXXX XXXXXXXX contacted us for access to the meter room due to a nonpayment shut-off This is not true. XXXX shuts the meter off when a new tenant enters and has a process to turn meter on which also never took place. After investigation Ive been informed that both servicer and management had been in contact and instructed not to turn meter on. I have all documentation/records of XXXX and the communication between the XXXX company which balances where not in my name they were in the previous tenants name who never disconnected properly, even after my transferring the bill into. I also have XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX who documented the XXXX of consistent communication and noncompliance between XXXX and myself. I never had a balance or bill in my name until this month.

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