vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I'd like to file a complaint against PayPal for not protecting me against fraud. 

I bought a product online and at the time of purchase, the seller offered free returns. I paid for the product through PayPal. I received a different and totally inferior product. I contacted seller, and despite my several requests for a full refund, the seller offered only a partial refund, plus the seller never sent me a shipping label, so I can return the bad product ( again, despite my numerous requests for a shipping label I never got XXXX ). Therefore, I turned to PayPal and their XXXX XXXX XXXX. 

Much to my dismay, PayPal told me several times that I must be responsible for the return shipping costs, disregarding the fact that the seller offered free returns at the time of purchase ( and I even sent PayPal a screenshot from the seller 's online offer ). 

I tried to explain numerous times to PayPal ( talked to XXXX PayPal dispute officers and a supervisor ) that I am ready and willing to return the bad product as soon as the seller sends me a shipping label, and I explained also that if I pay for the return shipping costs then I will get less than what I paid for the different, inferior product. Unfortunately, all my efforts were in vain, and PayPal closed the dispute in favor of the seller. In addition, the PayPal supervisor, XXXX, refused to close my acount when I asked him to. 

I will appreciate any help you can provide, so I can get a full refund, and close my PayPal account. Again, I am ready and willing to return the bad product as soon as the seller sends me a shipping label. 

Thank you! 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: LA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: LA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: CA

Complaint narrative:
Please refer to my original complaint. I do not know why it was closed when it was not resolved. 

Original complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Dispute of Charge/Item XXXX Civil Negligence and Non-Compliance Dear To, Whom It May Concern : I am writing to formally dispute the charge/item referenced under XXXX, which pertains to an issue of XXXX XXXX and XXXX. I believe that these charges/items are erroneous and stem from actions or omissions that do not meet the required legal or contractual obligations. 

Specifically, the issue in question involves [ briefly explain the nature of the civil negligence and/or non-compliance, such as failure to meet agreed-upon standards, breach of duty, failure to comply with regulations, etc. ]. Due to this negligence and non-compliance, I am seeking a resolution, including an immediate review of the circumstances surrounding this charge/item. 

The relevant details of this dispute are as follows : XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  Account Number XXXX XXXX {$300.00} XXXX XX/XX/XXXX {$160.00} XXXX {$1300.00} XXXX XXXX  negligence and failure to comply with required [ contractual/legal/regulatory ] standards, as outlined in [ relevant document/contract ].

As part of the dispute process, I respectfully request the following actions be taken : 1. A full investigation into the circumstances of this charge and the associated actions that led to civil negligence and non-compliance.

2. A detailed explanation and supporting documentation regarding why this charge/ite
m was imposed despite the failure to meet contractual or legal obligations.

3. A resolution of this dispute, including any necessary adjustments or cancellations of the charge/item.

I kindly request that you respond to this letter within the required time frame outlined by relevant regulations. I trust that this issue can be resolved quickly and fairly, in line with legal requirements and best practices. 

Thank you for your prompt attention to this matter. I look forward to your timely response and an equitable resolution. 

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 explanation
Consumer complaint received 2025-03-07 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: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Dispute of Charge/Item XXXX Civil Negligence and Non-Compliance Dear To, Whom It May Concern : I am writing to formally dispute the charge/item referenced under XXXX, which pertains to an issue of XXXX XXXX and XXXX. I believe that these charges/items are erroneous and stem from actions or omissions that do not meet the required legal or contractual obligations. 

Specifically, the issue in question involves [ briefly explain the nature of the civil negligence and/or non-compliance, such as failure to meet agreed-upon standards, breach of duty, failure to comply with regulations, etc. ]. Due to this negligence and non-compliance, I am seeking a resolution, including an immediate review of the circumstances surrounding this charge/item. 

The relevant details of this dispute are as follows : XXXX XXXX XX/XX/XXXX {$1100.00} XXXX  Account Number XXXX XXXX {$300.00} XXXX XX/XX/XXXX {$160.00} XXXX {$1300.00} XXXX XXXX  negligence and failure to comply with required [ contractual/legal/regulatory ] standards, as outlined in [ relevant document/contract ].

As part of the dispute process, I respectfully request the following actions be taken : 1. A full investigation into the circumstances of this charge and the associated actions that led to civil negligence and non-compliance.

2. A detailed explanation and supporting documentation regarding why this charge/ite
m was imposed despite the failure to meet contractual or legal obligations.

3. A resolution of this dispute, including any necessary adjustments or cancellations of the charge/item.

I kindly request that you respond to this letter within the required time frame outlined by relevant regulations. I trust that this issue can be resolved quickly and fairly, in line with legal requirements and best practices. 

Thank you for your prompt attention to this matter. I look forward to your timely response and an equitable resolution. 

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 2025-03-07 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: NJ

Complaint narrative:
I was already aware of how tough the economy is, but after reviewing my credit report, its clear that this situation is even worse. My report is filled with inaccurate information, and the stress its causing is overwhelming. As a consumer, I have the right to fair and accurate reporting, yet I find myself in a frustrating battle to correct errors that should have never been there in the first place. Its disheartening to deal with this, especially when these inaccuracies are dragging down my credit score and limiting my financial opportunities. It is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong 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 2025-03-07 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:
I recently filed a claim on the CFBP website and my claim got denied. I have a lot of reports on my credit report saying that I have accounts that are past due or closed which I know for a fact thats the opposite. I already requested them for proof but they never got back to me. As of today my score is affected and Im unable to use my credit for anything, I would like them to provide proof on all the past due balance and closed accounts that they have. If not please fix this issue.

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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
They claim to be a law firm that collects taxes for Illinois. They used a bunch of lies and scare tactics to try to persuade me. A legitimate law firm shouldn't lie to try to get unowed taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Subject : Request for Chain of Title Documentation To Whom It May Concern, I am writing to formally request a complete Chain of Title for the account referenced below. Please provide a detailed history of ownership and transfers of this debt, including the original creditor and all subsequent owners, as required under applicable laws. 


XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX  As part of this request, I ask that you provide the following documentation : XXXX. A complete record of ownership transfers from the original creditor to XXXX XXXX XXXX, including dates and entities involved. 


XXXX. A copy of the original signed agreement establishing the debt. 


XXXX : Documentation proving XXXX XXXX XXXX 's legal right to collect on this account. 




I request that you respond to this request within 15 days from the date of this letter. Failure to provide this information may result in my disputing the validity of the debt and taking further action as necessary. 

Please send the requested documents to the address listed above. If you are unable to fulfill this request, kindly provide a written explanation. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-07 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:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX - XXXX - This is very outdated and appears to be reporting inaccurately to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 



According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
First Access has put a restriction on my account back in XX/XX/year>. I just found this out yesterday. I called customer service to ask why. They tell me the restriction was put on my account. Because I made two payments in XX/XX/year>. And, that seemed fraudulent to them. Now I haven't made a payment to First Access since XX/XX/year>. I made two payments in XX/XX/year> to XXXX out my account. I knew my job would be ending and I wanted a safety net. I told customer service this. She said that I authorized the payment in XX/XX/year> and that bank account number ended in XXXX. I explained to her that I did not and that my bank account number ended in XXXX. The same bank account number that was used to apply and open and pay all my First Access bills. Never had I owned a bank account ending in XXXX. She then tells me I authorized another payment because the XXXX payment bounced. The other payment was for XXXX with a bank account number ending in XXXX. I explained to her I did not authorize that nor do I have a bank account number ending in XXXX. I told her I had proof from my transactions that. I had made payments in XXXX and XX/XX/year>. Paying extra to XXXX my account out. I asked her to look back and tell me what other bank account number she had. The one that opened the account and payed all the bills up until XX/XX/year>. She wouldn't look. Just kept telling me to lift the restriction. I would have to provide bank statements. From the bank account numbers the XXXX payments that was made in XX/XX/year>. Showing that they came from me. I told her I could provide bank statements showing where I XXXX it out in XX/XX/year>. I was informed that wouldn't lift the restriction. I feel I'm being penalized for a mistake made in their end. Even though I can offer proof from my bank. And, they will not show proof of what the have. I was never informed of the restriction back in XX/XX/year>. And, they have been charging monthly dues since XX/XX/year>. I find it odd that I have a restriction on me for 4 months. Although I haven't used my card since XX/XX/year>. And an account with a XXXX balance. Just doesn't make since.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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