vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I purchased cryptocurrency ( XXXX ) on the platform. 

From XX/XX/year> to the current date, I have made multiple attempts to transfer the XXXX to my own wallet. PayPal supports and has the interface for this feature.

On every attempt the transfer is not completed and the message below given : " The transfer didn't send.

There was a technical issue. Try entering your info again. '' PayPal makes any form of contacting support very difficult. I have not been able to determine why this message is displayed and the transfer is not completed. PayPal has not returned my support inquiry.

My own research shows this problem to be common, with many other PayPal customers claiming the same problem on multiple social media platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thomas George Associates, Ltd.
State: NY

Complaint narrative:
I received a letter from Thomas George Associates informing me that they have been retained by my former employer to recover unearned prepaid commissions from former employees. They claimed that I owe a balance of {$660.00}, payable to TGA. 

After weeks of back-and-forth communication with XXXX XXXX of TGA , I decided to resolve this matter directly with my former employer. XXXX XXXX XXXX claims that he can not provide any more information other than what has been provided, including the appropriate contact for this matter, therefore I am not receiving the necessary information to validate this request. 

Despite telling XXXX XXXX XXXX to not contact me again, he repeatedly has sent follow up letters and called my cell phone stating that I have ignored his communication, which is not true.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Charge-Off Under FCRA 1681i I am writing to formally dispute a charge-off listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 1681i. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be investigated and corrected or removed. 

The specific account in question is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Under FCRA 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. If the disputed charge-off can not be verified with complete and accurate records from the original creditor, it must be removed from my credit report. 


I formally request that you : 1. Conduct a reasonable reinvestigation of this charge-off.

2. Provide me with written confirmation of the results of your investigation.

3. Remove or correct the charge-off if it can not be verified as accurate and complete.

4. Provide me with an updated copy of my credit report reflecting any changes.

As required by FCRA 1681i, this dispute must be resolved within 30 days. If the charge-off can not be verified, I expect its immediate removal. Failure to comply with these requirements may result in further action to enforce my rights under federal law.

Please confirm receipt of this dispute and provide me with updates regarding the investigation process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Charge-Off Under FCRA 1681i I am writing to formally dispute a charge-off listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 1681i. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be investigated and corrected or removed. 

The specific account in question is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Under FCRA 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. If the disputed charge-off can not be verified with complete and accurate records from the original creditor, it must be removed from my credit report. 


I formally request that you : 1. Conduct a reasonable reinvestigation of this charge-off.

2. Provide me with written confirmation of the results of your investigation.

3. Remove or correct the charge-off if it can not be verified as accurate and complete.

4. Provide me with an updated copy of my credit report reflecting any changes.

As required by FCRA 1681i, this dispute must be resolved within 30 days. If the charge-off can not be verified, I expect its immediate removal. Failure to comply with these requirements may result in further action to enforce my rights under federal law.

Please confirm receipt of this dispute and provide me with updates regarding the investigation process. 

Thank you for your prompt attention 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causeing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I filed a dispute on XX/XX/year> regarding a stolen debit card at the XXXX XXXX XXXX XXXX I reached out to the XXXX  before asking if they had seen my missing items remind you Im out of state right now they said they havent seen them then a few hours later they tried to charge my card XXXX dollars and I had no funds in my account to cover that I never signed any paperwork stating credit karma was allowed to overdraft my account normally when things happen like that they automatically deny the charge so once I seen my card was tried to be charged the amount I reported it lost same day I called credit karma told them about the lost items they filed a dispute and denied my claim after I showed proof time date of me calling the XXXX  before I reported my card they gave me no reasoning I never had to file a dispute as long as I been banking with them they gave me no reason and they dont do and investigation they just let your information sit for a few days then decline without reasoning I think its fraud going on I deep dived into theyre banking and a lot of people have said the same thing and the only way to get them to fix their mistakes is if I go above their heads and file this way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On several dates XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed several accounts reporting on my credit that was related to identity theft, ( accounts not mines ) or inaccurate reporting such as incorrect amounts, inaccurate payment history, debt verification of several accounts that is in question.

I again file multiply disputes via Experian online dispute center and have not received and validation letter per request.

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 2025-02-15 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: IL

Complaint narrative:
This company XXXX XXXX XXXX XXXX  have violated federal laws constantly the account in dispute is XXXX XXXX XXXX XXXX partial account # XXXX is violating my rights the federal law states U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. Please send proof of my written consent sent to you certified mail! As a consumer This company XXXX XXXX XXXX XXXX  have violated federal laws constantly account XXXX XXXX XXXX XXXX partial account # XXXX! Federal law U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY!

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company XXXX XXXX XXXX XXXX have violated federal laws constantly the account in dispute is XXXXXXXX XXXX XXXX XXXX partial account # XXXX is violating my rights the federal law states U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. Please send proof of my written consent sent to you certified mail! As a consumer This company XXXXXXXX XXXX XXXX XXXX have violated federal laws constantly account XXXX XXXX XXXX XXXX partial account # XXXX! Federal law U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY!

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Recently, I did an investigation on my Equifax credit report and saw that there was an inquiry from XXXX XXXX  that was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact XXXX XXXX  attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet XXXX out of the XXXX sheet contract from XXXX XXXX. I requested for XXXX XXXX  to provide documentation in regards to charge off account and the complete contract with XXXX XXXX XXXX XXXX attorney office failed to provide the complete original contract requested and one sheet out of the five sheet document was presented making me question if this account is fraudulent. I have also filed a FTC complaint in regards to this matter and I have attached affidavit, Under 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. Failure to accurately report the status of a debt that has been canceled or written off. Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. To resolve this issue, I am requesting that XXXX XXXX be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, Equifax, and XXXX ). I am providing the following supporting documentation for your review : Copy of the 1099-C issued by XXXX XXXX for XXXX XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX XXXX attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet one of original contract. Any responses or lack thereof from the creditor or credit reporting agencies. This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that XXXX XXXX complies with all applicable consumer protection laws. Thank you for your time and attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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