vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 A VICTIM OF HUMAN TRAFFICKING UNDER 605C. I HAVE UPLOADED MY SUPPORTING DOCUMENTS TO SUPPORT MY DISPUTE UNDER 605C.

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 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: IL

Complaint narrative:
XX/XX/year> incorrect charge from XXXX XXXX was submitted for {$340.00} immediately called to cancel that transaction. I have proof from XXXX that transaction was cancelled and Klarna continues to charge me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Late Payment- Request Update to Positive Status To Whom It May Concern, I am writing to formally dispute a late payment reported on my account, Account Number XXXX, for period ending XX/XX/XXXX. According to my records, I have consistently made timely payments and was never late on this account. Therefore, I request that this inaccurate late payment be corrected to reflect a positive payment history. 

Under U.S.C. 1666b ( Regulation Z, Truth in Lending Act ), payments are considered timely if they are received by he creditor no later than the due date, or within a reasonable grace period if one is provided. I have always ensured that my payments were made within the time frame specifically by my agreement, and there were no delays that would constitute a late payment. The law requires that creditors properly account for the timing of payments, ensuring that payments are not incorrectly marked as if they were made on time or within the grace period.

Additionally, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), all information reported to the credit bureaus must be accurate and complete. Since I have made timely payments in accordance with the terms of the agreement and the U.S.C. 1666, the reporting of a late payment is erroneous and violates my rights to have accurate information reported on my credit report.

I kindly request that you review the payment history for my account, as I have consistently made payments on or before the due date. If you determine that the late payment was reported in error, I respectfully ask that you update the account status to reflect a positive payment history or, if applicable, remove the late payment from my credit report entirely. 

Please let me know if you require any additional documentation to assist in resolving this matter. I trust that this issue will be resolved swiftly, and I appreciate your prompt attention to ensuring the accuracy of my credit report. 

Thank you for your cooperation. I look forward to your timely response. 

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 2025-03-11 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I had XXXX I cancelled that the Dealership sold me, the money went directly to Prestige Financial services. to which they took the payment but my Principal did not go down, i asked and they said it was applied to accrued interest. I am current on payments and have only owned the vehicle for XXXX  months there is no possible way to accrue {$3000.00} interest on a {$25000.00} loan at XXXX  % interest in XXXX  months. in fact from the XXXX statement to the present the principal balance has increased even after {$3700.00} in payments this month Instead they put my payments out until XXXX so they could continue to charge me the XXXX % interest instead of crediting my account. This is a dishonest and what I believe to be an illegal action. 

They are purposefully and with intent manipulating the situation to get additional funds out of me, and if they are doing it now, they have done it before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-03-11 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-11 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal Denied My Dispute Unfairly Lost {$3100.00} I made a purchase through Alibaba.com using XXXX for {$3100.00} ( Order # XXXX ) on XX/XX/year>. However, when XXXX attempted delivery, I refused the shipment because the items were visibly damaged and missing key components ( the magnets that were supposed to be included ). 

I filed a dispute with XXXX, expecting a fair resolution. Instead, XXXX only offered {$500.00}, which I declined because it was not a reasonable refund. XXXX then closed my dispute unfairly, leaving me with no product and no refund. 

Since XXXX refused to help, I opened a dispute with PayPal, assuming that their buyer protection policy would ensure a refund. However, despite providing clear evidence that I never received my order, PayPal denied my claim and sided with XXXX, allowing them to keep my money. 

I also attempted a chargeback with my bank, but I was informed that it was too late to dispute the charge. As a result, I have been left with a {$3100.00} financial loss and no recourse. 

Why PayPals Decision is Unfair : I never received the items, so I should be eligible for a full refund under PayPals policies.

PayPal ignored my evidence ( refusal of delivery due to damage and missing parts ). 
I followed all proper dispute resolution steps, yet PayPal sided with XXXX, a seller that failed to fulfill the order. 
Resolution Requested : I am requesting that the CFPB intervene and require PayPal to issue a full refund of {$3100.00} since I never received my order. PayPals dispute resolution process failed, and they need to be held accountable for allowing an unfair transaction to proceed. 

I am attaching screenshots of my dispute history, PayPals denial, XXXX response, and my shipping refusal proof as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've been scammed on 2 separate occasions with someone claiming they're from the fraud department at Randolph-Brooks Federal Credit Union ( RBFCU ). 
On XX/XX/XXXX at XXXX XXXX, I received a call with the caller ID showing " Randolph-Brooks XXXX and phone number XXXX. When I answered the call, the person said his name was XXXX XXXX # XXXX, he informed me that there was fraudulent activity and was going off the list of transaction. He then informed me there was a transaction pending of {$500.00} to someone name XXXX and in order to reverse it, I would have to go online to get my refund. He asked what was my username and gave me a one-time password. Also he texted me numeric codes and to read it back to him. He instructed to go on my mobile app and click on " Transfer Money '' and send {$500.00} to a phone numbeXXXX XXXX ( can't remember the rest ). After it was completed " XXXX '' told me it would take some days for the refund and I should expect a call from RBFCU the next day, I never got the call. The next day I called my credit union to verify if there was such a person " XXXX '' in the Fraud department, customer service transferred my call to the XXXX department, I spoke to XXXX and he told me I've been scammed, they opened a case however although they agreed I was scammed they could not refund my money. I was instructed to close the old accounts and open new accounts. Several weeks later on XX/XX/XXXX, again I got a text with a phone number XXXX saying RBFCU : Did You Attempt A Transaction For The Amount Of XXXX At XXXX On XX/XX/XXXX? Reply YES Or NO. After I replied NO I got a call from RBFCU from a person who said his name was XXXX XXXX from the Fraud department and that we're on a recorded line. He told me of the fraudulent activity and if I sent a transaction of {$500.00} to a " XXXX '' and to reverse the charge and get my refund, I should go online, I followed his instructions and transferred {$500.00} to a phone number XXXX, right after it was completed XXXX told me I should get a courtesy call. After we hung up, I felt uneasy and didn't feel right so immediately I contacted RBFCU and told customer service what happened, they transferred my call to the XXXX department, I spoke to XXXX and although she was able to temporarily stop the money transfer, some days later XXXX contacted me to let me know they confirmed I was scammed but they had to reverse my refund. Randolph-Brooks FCU did not help my situation, I lost {$1000.00} and I want my refund back, it was stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : 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  Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2025-03-11 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: CA

Complaint narrative:
The complaint is still valid. I am requesting the inquiry be removed. i have no open accounts with this institution. Original response did not provide proof of account. Just provide a boiler plate, cut and paste uniform answer they give to all complaints. Did not specifically address or provide proof that I made the inquiry. Please remove the inquiry. 


I submitted complaint XXXX about a removal of an inquiry. They company response said they needed 30 days to investigate. That was on XX/XX/XXXX. It is now XX/XX/XXXX. Well past the 30-day period. I need this inquiry removed today. i have provided more than enough time for a proper investigation. No results have been filed. The inquiry needs to be removed from Experian report. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 2023

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 2025-03-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation