vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc.
State: OR

Complaint narrative:
My personal-loan accounts formerly serviced by XXXX were transferred to System & Services Technologies , Inc. ( SST ). Immediately afterward, SST began calling multiple times per day from rotating or unlisted numbersoften before XXXX XXXX., and repeatedly during my working hours, despite my request to continue via email and/or schedule appropriate times to call. 

First do-not-call request During a call on in either XXXX or XXXX of 2024, I told the SST agent that : Calls to my personal phone disrupt my job ( I must keep the line free for work-related calls needed to earn income to repay this debt ). 

All future contact must be in writing by email only. The agent agreed. 

Ongoing harassment despite repeated requests Despite that instruction, SST continues to ring me several times a week. Each time I remind the caller of my email-only preference ; each time they promise compliance, then resume calling. When I email SSTfor example on XXXX ask how to apply payments online versus over the phone, the response is another phone call instead of an email. 

Impact on me The unwanted calls : Consume work time I need to meet required call volume and earn commission that pays for the debt itself. 

Cause anxiety and workplace issues. 

Violate my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) to designate the method of communication. 

I have preserved call logs, voicemails, and copies of the emails requesting email-only contact, just as SST has. These will show my efforts to streamline and resolve my debt within my own means and methods, as I have a right to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NY

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # XXXX ; XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinser ( tIio ) n datea. statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # XXXX ; XXXX file disputing the accuracy or completeness of the disputed information. 


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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I completed a sale for XXXX cards totaling {$12000.00} USD with a buyer I found on XXXX XXXX. To protect both parties, the buyer used PayPal XXXX XXXX XXXX, paying {$450.00} USD in fees, bringing my received amount to {$11000.00} USD. Immediately after the payment, I shared packing photos, weight documentation, and direct communication with the buyer to ensure full transparency. 

PayPal placed the funds on temporary hold, and I informed the buyer I would ship the package as soon as the hold was released a condition PayPal had assured me would be met. The buyer agreed to wait up to XXXX weeks. 

Despite this agreement, on XX/XX/XXXX, the buyer prematurely filed an item not received dispute. However, I had already created the UPS label and provided the tracking number ( XXXX ) with all shipping details : Recipient : XXXX Email : XXXX Shipping Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Tracking : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The package was delivered on XX/XX/year> at XXXX XXXX, per XXXX delivery confirmation. 

In my PayPal dispute response, I submitted : The XXXX  tracking number with confirmed delivery Screenshots of messages where the buyer agreed to wait The shipping label Photos of the packed box and its contents The UPS drop-off receipt dated XX/XX/year> Despite all of this, PayPal closed the case in the buyer 's favor on XX/XX/year>, stating : Weve closed the case in the buyer 's favor after reviewing the info available to us. 

After the decision, I attempted to contact PayPal through their Message Centre multiple times, requesting an appeal. Instead, my account was permanently limited, and I was told no further appeal was possible as the dispute window had expired even though I submitted follow-ups within the provided XXXX period from XX/XX/XXXX. 

PayPal continues to deny my appeals, even though : I provided undeniable proof of delivery The package was sent to the verified address on the buyers PayPal account I met the requirements of PayPal 's Seller Protection Policy Under PayPals Seller Protection, I am eligible because : I sold a physical, tangible item It was shipped to the buyers confirmed address I provided valid tracking showing delivery I responded to the dispute with evidence and communication logs I am now at a loss of nearly {$12000.00} USD in product and payment. PayPal has permanently limited my account and refuses to revisit or correct this decision, despite clear delivery confirmation. 

Im requesting the CFPB to assist in reopening this case or holding PayPal accountable for ignoring their own Seller Protection terms and denying a fair review of my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, appearing on my credit reports with Experian, Equifax, and TransUnion. This account reflects a balance of {$960.00} with an open date of XX/XX/year>2023, and has been consistently reported as past due without any payment updates. 

I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by requesting a full validation of the debt. The response I received was deficient and failed to satisfy the statutory requirements. Specifically, XXXX XXXX did not provide : Proof of ownership of the debt ; The Flow Agreement or other servicing contracts showing authority to collect ; Assignment documents or a chain of custody from the original creditor to XXXX XXXX ; A Bill of Sale showing legal transfer of the debt ; A signed contract or agreement binding me to the debt ; Any itemized statement showing how the {$960.00} balance was calculated ; The Date of First Delinquency ( DOFD ) which is required for accurate aging of the debt under Metro 2 and FCRA guidelines. 

Despite failing to provide the above, XXXX XXXX continues to furnish monthly updates to the credit bureaus, marking the account as " in collection '' with status codes indicating delinquency. This may constitute unlawful re-aging, as there have been no payments or updates since the account was opened. 

Because the collector has failed to provide sufficient evidence that : They legally own or have been assigned the debt, They are authorized to report or collect the debt, The amount is accurate and legally owed, I am requesting that this unverifiable and potentially inaccurate account be immediately removed from my credit reports. Attached are the inadequate validation response and screenshots from my credit reports.

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 2025-05-12 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:
I am disputing a collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, appearing on my credit reports with Experian, Equifax, and TransUnion. This account reflects a balance of {$960.00} with an open date of XX/XX/year>2023, and has been consistently reported as past due without any payment updates. 

I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by requesting a full validation of the debt. The response I received was deficient and failed to satisfy the statutory requirements. Specifically, XXXX XXXX did not provide : Proof of ownership of the debt ; The Flow Agreement or other servicing contracts showing authority to collect ; Assignment documents or a chain of custody from the original creditor to XXXX XXXX ; A Bill of Sale showing legal transfer of the debt ; A signed contract or agreement binding me to the debt ; Any itemized statement showing how the {$960.00} balance was calculated ; The Date of First Delinquency ( DOFD ) which is required for accurate aging of the debt under Metro 2 and FCRA guidelines. 

Despite failing to provide the above, XXXX XXXX continues to furnish monthly updates to the credit bureaus, marking the account as " in collection '' with status codes indicating delinquency. This may constitute unlawful re-aging, as there have been no payments or updates since the account was opened. 

Because the collector has failed to provide sufficient evidence that : They legally own or have been assigned the debt, They are authorized to report or collect the debt, The amount is accurate and legally owed, I am requesting that this unverifiable and potentially inaccurate account be immediately removed from my credit reports. Attached are the inadequate validation response and screenshots from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to formally report unauthorized hard credit inquiries made in XX/XX/year> using my personal information by two companies : XXXX XXXX XXXX and RubyCar. I did not authorize these entities to access my credit report or initiate any financial applications. 

On reviewing my credit report, I noticed hard inquiries from the above companies which I did not initiate, consent to, or approve. These inquiries have adversely affected my credit score and have raised serious concerns about the misuse of my personal information. 

To address this issue, I have already taken the following steps : Filed an Identity Theft Report with the Federal Trade Commission ( FTC ). 
Placed a fraud alert on my credit file with the major credit bureaus. 

Despite these precautions, the inquiries were made without my knowledge or authorization, indicating potential identity theft or mishandling of my personal data by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MS

Complaint narrative:
I am filing a formal complaint regarding an unauthorized and unverified credit inquiry that appears on my TransUnion credit report from XXXX XXXX, dated XX/XX/2025. 

I have never applied for credit, services, or any financial product with XXXX XXXX and have not authorized them to access my credit file. Despite disputing this inquiry directly with TransUnion and requesting a manual investigation with supporting documentation from the inquiring party, I have not received satisfactory resolution or verification of authorization. 
This inquiry is damaging my credit profile, as hard inquiries negatively affect credit scores and reflect poorly on my creditworthiness.

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 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-12 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: NH

Complaint narrative:
I am filing a complaint against [ Experian XXXX Equifax XXXX TransUnion ] for violations of the Fair Credit Reporting Act ( FCRA ) related to the illegal reinsertion of a previously deleted identity theft account without proper notice, certification, or verification. 
The account in question is with XXXXXXXX XXXX ( Account ending in XXXX ). 
Summary of the problem : I previously submitted a dispute identifying the account as fraudulent and the result of identity theft. 
Following my identity theft dispute, the account was deleted from my credit file. 
Approximately [ 8 months ] later, the same XXXXXXXX XXXX account was reinserted into my credit report without notifying me within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ).

No proper verification or documentation was provided to justify reinsertion, as required under FCRA 611 ( a ) ( 7 ).

I formally requested disclosure of who verified the reinsertion, the method of verification, and copies of the evidence under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). To date, [ Experian / Equifax / TransUnion ] has failed to provide it.

This unlawful reinsertion has caused me financial and emotional distress, and it violates my rights under : FCRA 605B ( identity theft account block ), FCRA 611 ( a ) ( 5 ) ( B ) ( notice and certification required before reinsertion ), FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) ( disclosure of reinvestigation and evidence procedures ).

Requested relief : Immediate and permanent deletion of the XXXXXXXX XXXX account from my credit file. 
A full copy of the reinvestigation records, including : The name, address, and phone number of the furnisher that " verified '' the information ; A detailed description of the reinvestigation procedure used ; Copies of all documents relied upon during the reinvestigation. 
Ensure full compliance with all applicable sections of the Fair Credit Reporting Act. 
If [ Experian / Equifax XXXX TransUnion ] does not comply, I intend to pursue legal action for damages under FCRA 616 and 617 for willful and negligent violations.

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 2025-05-12 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: CA

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 

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 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiry on Credit Report\n\nTo Whom It May Concern,\n\nI am writing to dispute a hard inquiry listed on my credit report. I did not authorize this inquiry, and I request its immediate removal.\n\nThe details of the inquiry are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the Fair Credit Reporting Act (FCRA), a company must have my written authorization before accessing my credit report. Please provide documentation of such authorization. If you cannot provide it, I request that the inquiry be removed from my credit file.\n\nAttached are copies of my identification and a recent utility bill to verify my identity.\n\nThank you for your prompt attention to this matter.\n\nSincerely,  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 non-monetary relief
Consumer complaint received 2025-05-12 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: AL

Complaint narrative:
Experian is purposely reporting inaccurate data on my credit report. The XXXX account * XXXX has a XXXX balance and the credit limit increased to {$400.00}. Why is Experian reporting that its a balance of {$300.00}? Thats inaccurate. I have included screenshots to prove what the balance currently is.

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