vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a complaint against PayPal regarding an unfair dispute resolution that resulted in my account being fraudulently charged {$280.00}, leaving my balance negative. 

Issue Summary : I provided digital content ( User-Generated Content ) to a company in exchange for payment via PayPal. 
The company later falsely claimed I did not fulfill the agreement, despite receiving all the content. 
I submitted clear evidence ( screenshots, messages, and proof of delivery ) showing that I completed the work as agreed. 
Despite this, PayPal sided with the buyer, reversing the payment and charging me a dispute fee, leaving my account negative. 
I contacted PayPal, but they refused to review my evidence fairly or reinstate my funds. 
Unfair Practices by PayPal : PayPal allowed the buyer to keep my work without paying, enabling fraud. 
Their dispute resolution process is biased against sellers, especially those providing digital services. 
PayPal now expects me to pay for a fraudulent dispute, despite my proof showing I did nothing wrong. 
Requested Resolution : I am asking the CFPB to investigate PayPals dispute process and : Require PayPal to reverse the dispute decision and reinstate my {$280.00}. 
Remove the negative balance from my account. 
Hold PayPal accountable for allowing fraudulent chargebacks on digital goods/services. 
PayPals policies unfairly punish small business owners and content creators while enabling fraudulent buyers. I am requesting that the CFPB take action to prevent further abuse. 

I have attached the agreed upon content and payment that was discussed with the person I sent the content too. And all pictures showing proof that I delivered my work and then PayPal still allowed them to commit fraud and steal my content and reverse the payment. 

Thank you for your time, and I appreciate your assistance in resolving this issue. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash app for missing money and unauthorized charges I have occurred since I started using cash app. Every time I have had a problem they ghost or tell me they can't do anything but block the fraudulent merchants for the future but won't help me get my money back they let get taken out. I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-21 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

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 2025-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These inaccuracies are unjustly harming my creditworthiness and financial opportunities.

1. Inaccurate Collection Account The following collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers are required to ensure the accuracy of the information they report. This account must be removed immediately : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} 2. Closed Account with Unfair Late Payment Marks The following closed account reflects late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and XXXX : XXXX  XXXX XXXX ( Account Number : XXXXXXXX ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed, as they do not meet legal standards for fair and accurate reporting.

3. Inaccurate and Unfair Late Payment Reporting by Equifax Equifax has inaccurately reported late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX ( Account : XXXX ). These payments were misreported despite the fact that my billing statements were not provided at least XXXX  days before the due date, violating 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ).

This misreporting also violates : 15 U.S. Code 1681i Requiring credit reporting agencies to conduct proper investigations of disputes.

15 U.S. Code 1681s-2 Mandating data furnishers to ensure accuracy and promptly correct errors. 
I have already disputed these inaccuracies with Equifax, but no corrective action has been taken. These errors must be removed immediately to ensure compliance with federal law and prevent further unwarranted damage to my credit score.

4. Request for Immediate Investigation and Correction I formally request that Equifax conduct an immediate investigation and remove the inaccurate and unauthorized items from my credit report. These errors are a direct violation of federal law and continue to cause significant financial harm by limiting my ability to obtain fair credit opportunities. 
I have attached supporting documentation, including my FTC identity theft report, to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that Equifax takes appropriate action to correct these violations and comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These inaccuracies are unjustly harming my creditworthiness and financial opportunities.

1. Inaccurate Collection Account The following collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers are required to ensure the accuracy of the information they report. This account must be removed immediately : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} 2. Closed Account with Unfair Late Payment Marks The following closed account reflects late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and XXXX : XXXX  XXXX XXXX ( Account Number : XXXXXXXX ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed, as they do not meet legal standards for fair and accurate reporting.

3. Inaccurate and Unfair Late Payment Reporting by Equifax Equifax has inaccurately reported late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX ( Account : XXXX ). These payments were misreported despite the fact that my billing statements were not provided at least XXXX  days before the due date, violating 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ).

This misreporting also violates : 15 U.S. Code 1681i Requiring credit reporting agencies to conduct proper investigations of disputes.

15 U.S. Code 1681s-2 Mandating data furnishers to ensure accuracy and promptly correct errors. 
I have already disputed these inaccuracies with Equifax, but no corrective action has been taken. These errors must be removed immediately to ensure compliance with federal law and prevent further unwarranted damage to my credit score.

4. Request for Immediate Investigation and Correction I formally request that Equifax conduct an immediate investigation and remove the inaccurate and unauthorized items from my credit report. These errors are a direct violation of federal law and continue to cause significant financial harm by limiting my ability to obtain fair credit opportunities. 
I have attached supporting documentation, including my FTC identity theft report, to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that Equifax takes appropriate action to correct these violations and comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reassonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved .The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failling to adequately notify consumers of dispute outcomes.These failures align with my experince, where Experian has neither corrected nor removed disputed accounts items despite the evidence i provided. I am reqesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violate federal law and my rights as a consumer.

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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This account has been paid off and closed, but it continues to impact my credit score negatively. I believe it may be in violation of the Fair Credit Reporting Act, as I understand that closed accounts should not be reported indefinitely. 
I have already attempted to resolve this issue by disputing it with the credit reporting agencies, but I have not received a satisfactory resolution. I kindly request your guidance and assistance in this matter. 
I have attached any relevant documentation, including proof of payment and closure, for your review.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This account has been paid off and closed, but it continues to impact my credit score negatively. I believe it may be in violation of the Fair Credit Reporting Act, as I understand that closed accounts should not be reported indefinitely. 
I have already attempted to resolve this issue by disputing it with the credit reporting agencies, but I have not received a satisfactory resolution. I kindly request your guidance and assistance in this matter. 
I have attached any relevant documentation, including proof of payment and closure, for your review.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This account has been paid off and closed, but it continues to impact my credit score negatively. I believe it may be in violation of the Fair Credit Reporting Act, as I understand that closed accounts should not be reported indefinitely. 
I have already attempted to resolve this issue by disputing it with the credit reporting agencies, but I have not received a satisfactory resolution. I kindly request your guidance and assistance in this matter. 
I have attached any relevant documentation, including proof of payment and closure, for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I am disputing a XXXX late payment reported by Nelnet on XXXX federal student loan because I was never properly notified before it was reported to the credit bureaus. Nelnet claims that they sent billing statements and attempted to contact me via phone calls, voicemails, and physical mail, but this is incorrect. 

I never received any phone calls or voicemails from Nelnet. I checked my call logs and voicemail history, and there is no record of Nelnet attempting to reach me. 
I never received physical mail regarding my past-due balance. If Nelnet claims otherwise, they should provide proof that letters were sent and delivered. 
All Nelnet emails were automatically filtered into my spam folder. Because of this, I did not see any notices about my loan payments. I have attached screenshots showing that all Nelnet communications were marked as spam, which prevented me from receiving them in my inbox. 
The first time I became aware that my account was past due was when I saw the late payment on my credit report. As soon as I saw the delinquency affecting my XXXX XXXX, I immediately made a payment on XXXX XXXX, 2025, to bring my account current. 

Because I was never properly notified and Nelnet has failed to provide proof of their alleged phone calls and mailed notices, I am requesting that this late payment be removed from my credit report. Their failure to notify me through reasonable means before reporting my account as delinquent resulted in unfair credit reporting, which violates fair consumer practices. 

If Nelnet can not provide verifiable proof of phone calls, voicemails, or mailed notices, I ask that the late payment be removed immediately to correct the inaccurate reporting. 

I appreciate the CFPBXXXX assistance in resolving this issue. Please find my supporting screenshots of Nelnet emails in my spam folder attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX7 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXX/XX/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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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