vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Issue Summary for CFPB Complaint Submission Against : PayPal Complainant : XXXX XXXX XXXX ID : XXXX Transaction Date : XX/XX/year> Dispute Opened : XX/XX/year> Amount : {$1100.00} USD Seller : XXXX XXXX XXXX XXXX XXXX XXXX ) Summary of Complaint : I am filing this complaint due to PayPals mishandling of a buyer protection dispute that violates their own guidelines and leaves me as a consumer exposed to fraudulent practices. I opened a dispute ( Case ID : XXXX XXXX XXXX XX/XX/year> after the merchant canceled the order with no explanation and failed to deliver the purchased item. 

Under XXXX XXXX XXXX XXXX, the seller was required to submit tracking information by XX/XX/XXXX. However, at XXXXXXXX XXXX XXXX  on XX/XX/XXXX, the seller submitted a tracking number ( XXXX ) that remained inactive and unrecognized in the XXXX system for over XXXX days, suggesting it was fakelikely submitted to delay refund obligations. This tracking number was used to manipulate the system, and XXXX did not take appropriate action to verify its validity. 

Despite the policy-stated resolution date of XX/XX/XXXX, XXXX extended the resolution multiple timesto XX/XX/XXXX, then XXXX XXXXwithout providing justification or seeking my consent. Ultimately, the case was denied without addressing the central facts, including the fake tracking number and the sellers complete lack of communication. 

Most recently, a package was delivered but does not match any of the promised specifications, further confirming the sellers bad-faith tactics to bypass PayPals system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was paying to get my credit repaired for XXXX years XXXX dollars a month. Never got any updates or anything from credit company! Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-14 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA XXXX Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. 
According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : -Failing to properly calculate monthly payments -Issuing inaccurate bills and late fees -Mishandling income-driven repayment ( IDR ) paperwork -Delays and errors in processing recertification forms -Providing inaccurate or misleading information about repayment and forgiveness options -Creating unnecessary delinquencies and defaults due to administrative failures. 
I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
" Newrez Llc " XXXX /Shellpoint mortgage ( previously doing business as specialized loan servicing has XXXX # violated the federal privacy act law, but by federal law, being sent through mail to ( my XXXX father ) who has no affiliation with my mortar loan or any verbal or written concent to have access to my loan account number or information. They have sent mail to my home address on the loan which i live at, to my my father who has nothing to do with my account or loan., ie : " XXXX XXXX " dated XX/XX/year>, The mail, ironically disclosed my private account information and loan number,. I have Contacted them to address this, as this is a very serious federal privacy act law, that was violated. I have emailed them the copy of mail sent to my father, with No response or effort to make this right.

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 2025-05-14 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorizes accounts/information reporting to my credit report. These remarks have been determinate to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Please delete this account ( XXXX XXXX XXXX ) This collector has improperly used my account and did not provide verifiable information with 30 days of request. They could not verify the account with the amount of ( {$1200.00} ) was owned by myself. 
Please delete this account.

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 2025-05-14 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: CA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX RE : Formal Dispute of Inaccurate Collection Accounts and Unauthorized Hard Inquiries FCRA VIOLATIONS To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I demand an immediate investigation and deletion of the following accounts and inquiries, which are being reported inaccurately and without validation : Disputed Collection Accounts : XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Last Reported : XX/XX/XXXX XXXX XXXX, XXXX Account # : XXXX Balance : {$4800.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$610.00} Account # : XXXX * * Last Reported : XX/XX/XXXX Disputed Hard Inquiries ( Unauthorized ) : XXXX XXXX XXXX Date : XX/XX/XXXX Industry : Auto Financing Phone : ( XXXX ) XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Industry : Auto Financing Phone : ( XXXX ) XXXX These accounts and inquiries were not authorized and do not belong to me. Under FCRA Sections 609, 611, 623, and 604, I have the right to request validation of each account and proof of permissible purpose for every inquiry. I have requested signed contracts and verification of account ownership, and have received no such documentation. Reporting unverifiable and unauthorized data is unlawful.

These errors are significantly impacting my ability to maintain housing, purchase a vehicle, and live a stable personal and financial life.

Demand : Remove the above-referenced collection accounts and hard inquiries from my credit report within 15 days.

Provide written confirmation of these deletions and details of your investigation.

If you fail to comply, I will escalate this to the CFPB, FTC, and Attorney General, and I am prepared to pursue legal action under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
XX/XX/XXXX RE : Formal Dispute of Inaccurate Collection Accounts and Unauthorized Hard Inquiries FCRA VIOLATIONS To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I demand an immediate investigation and deletion of the following accounts and inquiries, which are being reported inaccurately and without validation : Disputed Collection Accounts : XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Last Reported : XX/XX/XXXX XXXX XXXX, XXXX Account # : XXXX Balance : {$4800.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$610.00} Account # : XXXX * * Last Reported : XX/XX/XXXX Disputed Hard Inquiries ( Unauthorized ) : XXXX XXXX XXXX Date : XX/XX/XXXX Industry : Auto Financing Phone : ( XXXX ) XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Industry : Auto Financing Phone : ( XXXX ) XXXX These accounts and inquiries were not authorized and do not belong to me. Under FCRA Sections 609, 611, 623, and 604, I have the right to request validation of each account and proof of permissible purpose for every inquiry. I have requested signed contracts and verification of account ownership, and have received no such documentation. Reporting unverifiable and unauthorized data is unlawful.

These errors are significantly impacting my ability to maintain housing, purchase a vehicle, and live a stable personal and financial life.

Demand : Remove the above-referenced collection accounts and hard inquiries from my credit report within 15 days.

Provide written confirmation of these deletions and details of your investigation.

If you fail to comply, I will escalate this to the CFPB, FTC, and Attorney General, and I am prepared to pursue legal action under 15 U.S.C. 1681n and 1681o.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
Firstsource Advantage , LLC has been contacting my phone numerous times per day from numerous phone numbers, even being asked to stop several times. We are in the process of filing for bankruptcy & have provided them with our attorney 's information. They are collecting debt on behalf of XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I received an email from sequium notifying me of a debt owed to XXXX XXXX and XXXX for a visit occuring in XXXX. Upon receiving notification, I contacted XXXX & XXXX 's billing departments on XXXX separate occasions. Each employee I spoke to notified me that the 'debt ' was paid in full by my insurance provider, XXXX XXXX, and that the visit had been closed with no additional comments. I notified sequium & requested the name of the original creditor to verify their claim but have not received a response electronically or via mail. To my, and XXXX & XXXX 's knowledge, there never was a debt associated with my account as it was paid by my insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NV

Complaint narrative:
These conflicting reports are misleading and could negatively impact my credit standing. I request that you investigate this matter and correct or remove any inaccurate or unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. According to this law : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall, free of charge, conduct a reasonable reinvestigation and record the current status of the disputed information, or delete the item within 30 days For XXXX XXXX XXXXXXXX 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 2025-05-15 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit file regarding my Credit Card Account [ XXXX ]. Specifically, I have identified that a late payment has been incorrectly reported, negatively impacting my credit score.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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