vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
- Paypal is not honoring their Fraud Coverage as advertised - Initial transaction {$3000.00} paid to seller on XX/XX/XXXX, XXXX though paypal. - Paypal name of fraudulent seller : PAYPAL XXXXXXXX XXXX XXXX XXXX - Dispute opened with paypal by myself XX/XX/24. - Dispute was decided in clients favor despite the blatant breaking of a written contract and partial product received being 0 % usable. - The XXXX purchased should still be being given as it was supposed to be over a 6 month period but I have not heard from seller since XXXX. - XXXX individual, XXXX XXXX, is an ex-convict having served 9 years prison in XXXX. He operates under the company name XXXX XXXX. - I am trying to appeal the dispute which paypal but there was no button or menu option on the website to appeal the decision. 
- I called paypal and the representative was unable to help me. Paypal Representative didn't know how to do appeal if menu option was not there and instructed me to make a claim with my credit institution, XXXX. 
- I opened the claim with XXXX per paypal advice on XX/XX/24 - On XX/XX/24 paypal sent me an email trying to wash their hands clean of the dispute and I qoute " You filed this dispute with your financial institution or credit card company, not PayPal. We cant provide additional details or updates on this claim because we dont have access to your financial institutions investigation details. '' - As a result Paypal is not working with me because I did something PAYPAL SUGGESTED I DO. It is like they trapped me with their suggestion in their web of red tape. 
- At this point Paypal is trying to claim no responsibility when they offer coverage for fraud. Paypal is not honoring this coverage. Having this coverage was part of the reason I felt comfortable with the transactions on paypal. Apparently, my confidence was mis founded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to the letter you sent suggesting that a credit repair company generated my disputes. For the record, I personally drafted and sent the credit report disputes on XX/XX/XXXX, XX/XX/XXXX via postal mail and you have acknowledged receiving them. I have enclosed a copy of that correspondence for your information. It is a misrepresentation on your part to insinuate that my dispute is not genuine based on the assumption that it came from a third-party agency. The Fair Credit Reporting Act ( FCRA ) does not prohibit consumers from seeking assistance from third parties when disputing inaccuracies on their credit reports. In fact, Congress acknowledges the intricacy of this process and allows consumers the choice to use a third party if they so wish. Your insinuation not only contradicts this provision but also seems to sidestep the primary concern, which is to ensure the accuracy and fairness of my credit report. If there's an impression that you're leveraging the FCRA to delay or avoid a thorough investigation, it would be a cause of concern for any consumer. I urge you to revisit my initial request for investigation without delay. By dismissing my original request based on unfounded assumptions, you risk being in violation of the FCRA 's provisions. I believe that if need be, I can provide evidence to show that reasonable measures were not taken to verify the accuracy of my credit report. I formally request that you proceed with my original investigation and share the results with me within the next XXXX days. Please be informed that this letter serves as an official notification overriding your " form letter, '' and hence, you are provided with a XXXX window, not an additional XXXX. I trust you will treat this matter with the urgency and seriousness it warrants. I am well informed about my rights concerning my credit file, and I anticipate a prompt resolution to this matter. Sincerely, 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 2025-01-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : XXXX, XXXX XXXX digits of the account XXXX. XXXX XXXX. I paid in full yet. 
XXXX ; last XXXX digits of the account XXXX, XXXX XXXX. I Paid in full already. 
XXXX : Nothing appear in 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-21 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: NH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
Subject : Dispute of Fraudulent Apartment Lease and Collection Account To whom it may concern : I am writing to dispute a fraudulent account reported by XXXX, XXXX XXXX XXXX  XXXX on my Equifax and XXXX credit reports. This account is related to an apartment lease at XXXX XXXX XXXX XXXX XXXX, which I never signed, authorized, or rented. 

I have always lived in XXXX XXXX XXXX and currently own a home in XXXX XXXX, CA. I have never had any relationship with this apartment complex or its associated entities. 

This fraudulent activity is a result of identity theft, which has compromised my personal and credit information. Additionally, my personal data may have been exposed in the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX breach, making me a victim of potential misuse of my sensitive information. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you investigate this matter thoroughly and remove this inaccurate information from my credit reports. To support my dispute, I am providing : A copy of my FTC Identity Theft Affidavit A copy of the police report related to this identity theft Copies of my government-issued ID and Social Security card Please investigate this matter promptly and confirm the removal of the fraudulent account. I expect written confirmation of your findings and updated credit reports reflecting the correction. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Apartment Lease and Collection Account To whom it may concern : I am writing to dispute a fraudulent account reported by XXXX XXXX XXXX XXXX XXXX on my XXXX and TransUnion credit reports. This account is related to an apartment lease at XXXX at XXXX XXXX XXXX, which I never signed, authorized, or rented. 

I have always lived in XXXX XXXX XXXX and currently own a home in XXXX XXXX, CA. I have never had any relationship with this apartment complex or its associated entities. 

This fraudulent activity is a result of identity theft, which has compromised my personal and credit information. Additionally, my personal data may have been exposed in the XXXX data breach and the XXXX XXXX XXXX XXXX XXXX breach, making me a victim of potential misuse of my sensitive information. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you investigate this matter thoroughly and remove this inaccurate information from my credit reports. To support my dispute, I am providing : A copy of my FTC Identity Theft Affidavit A copy of the police report related to this identity theft Copies of my government-issued ID and Social Security card Please investigate this matter promptly and confirm the removal of the fraudulent account. I expect written confirmation of your findings and updated credit reports reflecting the correction. Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and report discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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.
State: FL

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 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 2025-01-21 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: EQUIFAX, INC.
State: FL

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 2025-01-22 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation of disputes.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complise with the Federal Law and provide Consumers with the necessary proof of investigations. Please see attachments, I have included my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MN

Complaint narrative:
Debt has been unverified by Wakefield, there was no contract signed for debt to Wakefield and no proof that debt is owned by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case To Whom It May Concern, I hope this letter finds you well. I am writing on behalf of a federal award recipient, authorized by the U.S. Department of Health and Human Services, Office on XXXX in Persons ( please refer to the attached Confirmation of Authorization ). This communication is to inform you that the XXXX XXXX has verified and determined that XXXX XXXX is a victim of XXXX XXXX XXXX, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX as defined under 22 U.S.C. 7102 ( 12 ), in accordance with the requirements for blocking adverse credit information pursuant to 12 C.F.R. 1022.142 ( see attached rule ). 
The XXXX XXXX is a dedicated organization advocating for the rights and protection of those affected by XXXX XXXX, including debt bondage. Our mission is to support survivors of this serious XXXX XXXX violation and to work collaboratively with various stakeholders to address and combat this critical issue. 
In the course of our work, we have identified a case involving an individual whose credit report reflects an outstanding debt that we strongly believe is tied to debt bondage. The nature of this debt suggests possible coercive or fraudulent practices, resulting in an unfair financial XXXX XXXX XXXX XXXX 
We kindly request your assistance in blocking and removing any adverse accounts that are negatively impacting her credit profile, in compliance with applicable regulations. Your prompt attention to this matter is greatly appreciated, and we look forward to working with you on this important issue. 
Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Coordinator

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 2025-01-22 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-22 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: NE

Complaint narrative:
XXXXXXXX XXXX account is charged off closed account and keep apearing on active acount on XXXX and Experian and trying to collect the debuts and info is not accurated.

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