vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I received a legitimate {$50.00} payment through PayPal for services I rendered via XXXX. Shortly after, the full amount was placed on hold. I contacted PayPal support and provided evidence confirming the nature of the payment, including my XXXX work records and client communication. 


On or about XX/XX/year>, PayPal placed a limitation on my account and withheld {$47.00} of earned funds without adequate explanation. Despite multiple efforts to resolve the issue, including submission of identity documents and transaction records, my account was permanently restricted. 



On XX/XX/year>, PayPal responded, stating the limitation was final and the withheld funds would only be eligible for withdrawal after 180 dayson XX/XX/year>. They declined to provide specific reasons for the restriction, citing their internal security policies. 

My repeated written requests for the legal basis of the hold and for further information on the investigation were denied. I clearly stated that I was a freelancer dependent on timely payments and that this action was causing undue financial hardship. I also informed them that this conduct may violate the Electronic Fund Transfer Act, Californias Unfair Competition Law, and other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
Ive requested a debt validation, the breakdown of fees and interest, verification of the debt. This account was not open by me and for accuracy I will like the contract with me an this agency forwarded to me. Also this creditor have violated XXXX in XXXX rules by having different agency contact me and teach agent is unable to give me a detailed bill.also I would like any contract where my social security number were provided. Ive never taken out any line of credit with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC
State: NV

Complaint narrative:
XXXX XXXX, previously XXXX XXXX has been paid On-time for over XXXX  years now due to my bank making automatic payment directly to the lender. However, in XX/XX/XXXX I was notified that a XXXX  change to my XXXX XXXX had been reported. When I check, I realized that XXXX reported my payment as XXXX. I immediately check with my bank and realized that XXXX returned my check. 

I immediately contacted XXXX and their representative noticed the error and removed all fees and another payment was scheduled to bring my account up to current status. I was told the payment address had changed from a California address to a Texas address. I then logged into my bank 's website and updated my payment record. I then asked if they could correct the XXXX payment status reported to the XXXX XXXX and was told that XXXX was unable to do that directly and I would need to request a dispute with thXXXX XXXX XXXX to correct the reporting. 

I submitted a dispute with XXXX XXXX XXXX  agencies reporting the late payment. XXXX  quickly responded within XXXX weeks and labeled the dispute as resolved. I immediately logged in to see the status and was informed that XXXX noted the account as resolved. The XXXX payment was still reflected for the month of XX/XX/XXXX however, I noticed that XX/XX/XXXX was verified as paid on time. This was confusing considering that I have not made the XXXX payment nore was the XXXX payment due. My payment due date are the XXXX of each month. So I opened a second dispute with XXXX  and received the same result, no change, however XXXX noted that all information was verified and accurate. 

When XXXX received my second payment to bring my account current, I received an email on XX/XX/XXXX, stating that my account number had changed and I should use my NEW account number when submitting payment. 

FACTS : XXXX has accepted my payments as recent as XXXX & XXXX of XXXX. 
- Previous to XX/XX/XXXX, I have received NO communication on a change to the payment address OR account number change - Upon the name/company change in XXXX, I emailed XXXX on XX/XX/XXXX, Ticket number XXXX, to inform them that I was unable to create an account under the new name/company change to see my account status/changes. I received NO response or resolution to my inquiry. 

I believe my credit status for XX/XX/XXXX should be updated to current immediately across all reporting agencies. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive requested a debt validation, the breakdown of fees and interest, verification of the debt. This account was not open by me and for accuracy I will like the contract with me an this agency forwarded to me. Also this creditor have violated 7 in 7 rules by having different agency contact me and teach agent is unable to give me a detailed bill.also I would like any contract where my social security number were provided. Ive never taken out any line of credit with this company

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 2025-05-15 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: MI

Complaint narrative:
Upon reviewing my credit report i notice a lot of hard inquires that i did not make nor did I give anyone permission or authorization to pull my credit report.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX down jacket ( size 3 ) for {$1200.00} from XXXX XXXX using PayPal 's " Pay in 4 '' installment payment method, splitting the total between my XXXX credit card and PayPal balance. 

The original jacket was too small, so I contacted the seller, who instructed me to return it. I returned the item, and the seller confirmed they received it. On XX/XX/XXXX, the seller promised to send a replacement. 

However, the replacement item was lost in transit by XXXX. XXXX acknowledged the loss and paid a claim to the seller ( XXXX XXXX ) for the missing item. 

After that, the seller stopped responding to all my messages. I tried contacting them multiple times throughout XXXX and XXXX. On XX/XX/XXXX, I raised this issue with PayPal, and on XX/XX/XXXX, I formally filed a dispute. 

I submitted all of the following to PayPal : Proof that I returned the original item and the seller confirmed receipt Screenshots of the seller promising a replacement XXXX tracking information confirming the replacement was lost in transit Documentation that XXXX paid the seller a claim for the lost package Proof the seller then refused to respond Despite this, PayPal denied my claim, stating : " We received the case ( s ) you filed on XX/XX/XXXX. We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because our records show that this transaction was processed correctly. '' This is an unreasonable and unfair resolution. I did not receive the product I paid for. The seller was reimbursed by XXXX and made no effort to resend the item or refund me. PayPal has refused to hold them accountable, and my appeals have been ignored or met with generic denial responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
Equifax you stated I did not give any account or name YOUR CASE NUMBER IS IN MY DISPUTE XXXX try using your case number. Now I request who gave you the right to report any thing on my credit report I want your contract that states you can report .second you have 2 violation about electronically transferring, XXXX XXXX XXXX XXXX XXXXXXXX XXXX states you are in violation of my personal information transferring information electronically I request a manuel validation of this debt and how it was investigated what commpany, who you talked to, who did the investigation XXXX XXXX XXXX XXXX XXXX { XXXX XXXXthe court ruled that CRA can not merely rely on the original creditor. it is my right to have the account removed because i did not give permission tp report it show where i did or remove account respond through the CFPB dont for get my XXXX in your violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The sender is requesting the removal of fraudulent information from their credit report due to identity theft. They cite Section 605B of the Fair Credit Reporting Act and provide an Identity Theft Report from the FTC along with a list of disputed items. They ask for a prompt investigation and deletion of the unauthorized accounts and inquiries, and request written confirmation once the corrections are completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
This inaccurate reporting is severely damaging my financial prospectsimpacting my ability to obtain loans, credit, and housing. The presence of unauthorized negative information on my credit report is both unfair and unacceptable. I demand an immediate and thorough investigation, and the prompt removal of these accounts. This issue is urgent and requires swift corrective action without further delay.

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 2025-05-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Send a re-investigation complaint I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 
Action took place XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NE

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-15 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: NE

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I am writing to formally dispute discrepancies found in my credit profile maintained by XXXX  The inconsistencies pertain specifically to the RADIUS GLOBAL SOLUTION account, which is inaccurately reported. This conflicting information not only misrepresents my financial reliability but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that all consumer reporting agencies ensure the accuracy and integrity of the information they disseminate. Additionally, it is important to note that neither of the other major credit bureaus report this account at all. This further underscores the inconsistency and raises questions about the reporting standards upheld by XXXX Consumer law stipulates that inaccuracies that can affect a consumer 's creditworthiness must be removed within 4 business days. In this instance, the conflicting reports from XXXX regarding my account present a serious concern, particularly in light of the potential damage to my credit score, borrowing opportunities, and overall financial well-being. I respectfully request that the CFPB investigate this matter and urge the reporting bureaus to correct and delete the inconsistent information from their records without delay. Thank you for your attention to this critical 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am disputing the reporting of an alleged debt by Portfolio Recovery. I never received proper validation of the account. I requested verification under the Fair Credit Reporting Act ( FCRA 609 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ), asking for original documentation such as a signed contract, full account history, and proof of ownership or legal right to collect. No such documentation was provided. Yet the company continues to furnish this account to the credit bureaus, which is damaging my credit report. I am requesting immediate deletion of the account from all credit reporting agencies unless full validation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I opened an account and everything seemed fine for years until I wanted a debit card. Suddenly I was treated like obvious fraud. I sent photo ID and sent proof of address but it seems like I have to change my driver 's license to match my account. Despite offering a lease and several other items to prove where I live. Nothing I have done indicates fraud. I have XXXX and the way I have been treated feels incredibly ableist. Now my account is being closed and I can not even access the money I deposited. What an awful company

Company response to consumer: Closed with explanation