vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I recently lost my phone and had to go get a new one. With that being said, I got a new phone number and created a new email address for the new phone, being I no longer can access the old ones. I have an account with PayPal that I am unable to log in to due to the two step verification code being sent to the old lost phone. I updated my number with PayPal, and now they are saying that PayPal is not compatible with straight talk pre paid phone company so their system won't recognize the number nor text it. I have spent hours and hours on the phone with them trying to resolve this so I can access my funds. My social security checks are direct deposited into that account. I now have over XXXXXXXX XXXX in the account, locked out of account, won't let me have my money that I desperately need to pay rent, and they are telling me there is no resolution to my issue. So basically they are keeping my money from me. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act account # XXXX has violated my rights. 

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 want my credit report to only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. Hope you can address this soon to prevent further damage, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MS

Complaint narrative:
This is yet again a XXXX account with a different account #, balance, and opening date. I'm not sure how that works I've only ever had 1 account with mobile, and paid that account off in XX/XX/year>. This is the second active collection from XXXX on my credit report today. This is a fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NM

Complaint narrative:
I have been having a hard time with my loan provider for over a year. Here 's a little back story. I made a payment of {$14000.00} on XX/XX/XXXX to XXXX. The payment was taken out of my bank account on XX/XX/XXXX. I received a notice in XXXX that my loan was being transferred to a different MOEHLA portal. This alarmed me because I paid my loan in full. I called in XXXX and was informed that they didn't know what happened but the payment was not applied and will fix it. However they only applied a partial payment. So my account shows I owe {$9000.00}. I have called 9 more times but no one knew how apply the full payment. Then in XX/XX/XXXX I was informed over the phone that MOEHLA needed to rebuild my account in order to apply the payment and that this would be resolved in 5-7 business days. Months have passed and the payment still has not been applied. I have called almost every month for an update but nothing has been done. I notified XXXX XXXX XXXX XX/XX/XXXX and was informed that they would expedite the process but my account still shows that I owe {$9000.00}. I have called MOEHLA and was informed that they could not help me and will send the information to a supervisor. I have contacted XXXX XXXX XXXX again in XX/XX/XXXX and have not heard back. This is affecting my credit score and I am accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally request the dismissal of any student loans under my name due to a breach in security that allowed a third-party vendor to access my financial information. This breach represents a significant violation of my privacy and financial security, and as a result, I no longer trust Nelnet to manage my loans safely.There have been significant concerns regarding the access of federal student loan data by XXXX XXXX 's Department of Government Efficiency ( DOGE ). In early XXXX, DOGE reportedly gained access to sensitive information from the U.S. Department of Education, affecting over 42 million borrowers. This data included Social Security numbers, bank account details, and loan histories. Multiple lawsuits have been filed in response to this access. XXXX XXXX XXXX XXXX XXXXXXXX XXXX sued the Department of Education, alleging violations of the Privacy Act of XXXX. Additionally, labor unions, including the XXXX XXXX XXXX XXXX, filed lawsuits to prevent DOGE from accessing private data within federal agencies.Given the severity of this issue, I am requesting a full discharge of my outstanding loans. Please provide me with written confirmation of the actions being taken regarding this request. Additionally, I request any documentation regarding the breach, including details on how my personal information was compromised and what measures Nelnet is taking to remedy the situation. 

Articles and Official Sources XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- - 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX {$590.00} XXXXXXXX XXXX XXXX {$690.00} XXXX XXXX {$0.00} XXXX XXXX {$740.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Describe what happened : I have had my XXXX account deactivated twice, under unfair circumstances related to phone numbers that I had just acquired. 

First incident : In XXXX, I registered for a XXXX account using a phone number newly assigned to me by my mobile provider. Shortly after signing up, my account was deactivated. When I contacted XXXX support, they informed me that the number had a history of violations, despite the fact that I was a new user and had no connection to any prior activity associated with that number. After lengthy back-and-forth communication, the issue was never resolved. 

Second incident : In XXXX, I got a new phone number and created a new XXXX account. Shockingly, this account was also deactivated shortly after registrationagain due to the phone numbers alleged prior violations. Once more, I explained that the number was newly issued to me, but my account was deactivated without a fair review or resolution. 

In both cases, XXXX failed to verify the actual user identity before taking action, and I was penalized for phone numbers unknown histories, which are outside of my control. 

Additional issue : I am a Chase Sapphire Preferred credit card holder and had activated the XXXX benefit that comes with this card. I still have nearly two years remaining on that benefit. Due to XXXX deactivating my account, I am now unable to access a paid service promised through my credit card partnership. 

Dates involved : Second account creation and deactivation : XX/XX/XXXX Requested resolution : I request that XXXX conduct a proper investigation and reinstate my account. If they are unable to do so, I request a full refund of the XXXX value that I am entitled to as part of my XXXX XXXX XXXX credit card benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested my full credit file from TransUnion as allowed under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I was blocked from accessing my report through AnnualCreditReport.com due to an open dispute. On XX/XX/year>, I contacted TransUnion via chat and formally requested a paper copy to be mailed to my address of record. Despite quoting the applicable statute, I was repeatedly denied access and told to wait until the dispute was resolved a position that contradicts the law. 

After further insistence, my request was escalated and I was told I would receive a callback within three business days ( by XX/XX/year> ), but no confirmation was given that a report would be mailed. This ongoing obstruction has delayed my ability to obtain financing for emergency home repairs, including replacement of heating and air conditioning systems necessary for the health and safety of my household. This delay has caused estimated financial harm of {$2500.00} due to increased repair costs, deferred credit access, and hardship placed on XXXX elderly and children in my care. 

TransUnion has informed me that the estimated completion date for their internal dispute investigation is XX/XX/year>, further extending the unlawful delay in providing access to my credit file for nearly a full month despite my clear legal entitlement to it. 

I am requesting the CFPB intervene to compel TransUnion to provide my full credit file immediately and to investigate their ongoing noncompliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo sent one credit card that I never received. I called about this and was told another card would be sent. I told them I would rather just close the account and cancel the card. I was told another card had to be sent to me. Policy. I received that card and put it in a file drawer. Some time later on Saturday afternoon, I got a phone call that said Wells Fargo on my TV screen. When I answered the person on the other end asked me if I had received the card. I said yes, it's in a file. I did not activate it. I was told that I needed to activate it, so that they know I received it. I said okay, but I'm not going to use it. I activated it and put it right back in the file. I didn't use it. On or about XX/XX/XXXX, I received another call telling me that the card had been maxed out and I was responsible for {$17000.00} in charges. I told them that was impossible because I had never used it. I proceeded to shred the card immediately and had the person listen to it. A fraud investigation was launched and two weeks ago I received a letter, dated XX/XX/XXXX, saying that the investigation had been closed and it was determined that I had authorized these charges and therefore was responsible for them. I called the fraud department and was told that I even requested to requested a larger amount. I have no idea who did this, but it wasn't me. I feel like this was someone within WELLS FARGO that had access to my account and spoofed my phone number to do this. They said the investigation would be reopened and I would get a letter in XXXX calendar days. This past week I received a letter dated XX/XX/XXXX, saying that I authorized said transactions and was responsible for {$32000.00} in charges from the first card I never received and the second card. I called again and was told the investigation is ongoing and I will receive a letter in XXXX calendar days. This is outrageous! I never received the first card and didn't want to activate the second one, until I got a call and was told that I needed to activate it. That's when all the trouble started. I didn't incur these charges and I shouldn't be held responsible for them.

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 monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I put in XXXX disputes with transunion. XXXX on XX/XX/XXXX and another one on XX/XX/XXXX. The first dispute was directly made with transunion and the second was with XXXX XXXX. 5 days later I decided to actually call transunion about the same issue. I spoke with a lady named XXXX and she told me that my first dispute was canceled. I asked her how it was canceled, and she couldnt tell me. I then told her that I made a second dispute and she told me, I did not. I told her I did because Im looking at the screenshot. Once I said that, thats when she went into the system to see that actually made a second dispute. Long story short, she told me that this dispute will be resolved! I go into my XXXX XXXX account and says that the dispute has been resolved but the error is still showing on my account. XXXX still using this company services and the account should not closed. Transunion has not resolved the error.

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