vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am filing this formal complaint against Sallie Mae for engaging in predatory lending practices, misrepresentation of loan terms, harassment, and violations of federal and state laws. I have been subjected to ongoing financial harm and emotional distress due to Sallie Mae unethical practices and aggressive collection tactics. 
1. Lack of Informed Consent Due to Age and Inexperience I was XXXX XXXX XXXX at the time I signed the loan agreement inXX/XX/2019while residing in Arizona. 
As a young borrower with limited financial literacy, I lacked the knowledge and experience to fully understand the complexity of the variable interest rate and other terms in the contract. 
Sallie Mae/XXXX failed to properly educate or inform me about the long-term financial consequences of taking out this private loan, which has resulted in the loan balance increasing despite payments being made. 
2. Predatory Loan Terms and Refusal to Accept Early Payments The loan originally amounted to {$34000.00}, but despite payments being made, the balance has increased to {$36000.00} due to excessive interest accrual. 
My co-signer, XXXX XXXX, attempted to make early payments to reduce the principal, but Sallie Mae/XXXX refused to accept these payments. 
This refusal to accept payments contributed to the continued growth of the loan balance and indicates bad faith practices designed to increase profits through extended repayment terms. 
3. Threats to Garnish Social Security Benefits of My Co-Signer My co-signer, XXXX XXXX, is a senior citizen whose Social Security benefits have been threatened with garnishment by Sallie MaeXXXX XXXX 
Federal law protects Social Security benefits from garnishment for private student loan debt, making these threats not only unethical but also potentially illegal. 
4. Daily Harassment and Violations of the Fair Debt Collection Practices Act ( FDCPA ) I have been subjected to daily harassing phone calls from Sallie MaeXXXX XXXX which violates provisions of the Fair Debt Collection Practices Act ( FDCPA ). 
Despite requesting that these communications cease, I continue to receive calls, and so does my co-signer. 
The ongoing harassment has caused severe emotional distress and contributed to my co-signers financial anxiety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I have received repeated emails threatening to sue me, unless I agree to settle the debt, with and from XXXX and attorney XXXX XXXX. When asked for proof of debt, I was told that SpeedyCash had already filed with the courts. I spoke with SpeedyCash today and was told no such thing has been done. XXXX XXXX XXXX, XXXX continues to threaten me after I've asked them stop emailing me and send the proof of debt to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from 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 2025-03-19 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX and XXXX XXXX XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-19 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:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XX/XX/year> duplicate charges appeared on my XXXX XXXX XXXX account. I called them, they said they were made through PayPal and to call them. I did. They took all the information and said a fraud investigator would call me back. He, a man named XXXX XXXX representing himself as a fraud investigator for PayPal called me back within 48 hours. He asked all sorts of questions, got all sorts of information, and started moving monies around all over the place. This went on for weeks. Then he handed it over to a " supervisor, XXXX XXXX '' who continued to move monies all over the place. Buying and selling, charging to different accounts, moving from one account to the other, etc. 
As you can see by the attached sheets I lost more than {$170000.00}, not including what was charged to my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
THIS IS THE FOURTH ATTEMPT TO HAVE EXPERIAN REMOVE UNAUTHORIZED CREDIT INQUIRIES FROM MY REPORT. On XX/XX/XXXX, I mailed a formal dispute to Experian by CERTIFIED MAIL via USPS with tracking information XXXX, which was delivered on XX/XX/XXXX. I demanded that Experian remove two ( 2 ) hard inquiries that were UNAUTHORIZED : A hard inquiry by XXXX XXXX on XX/XX/XXXX, and a hard inquiry by XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed CFPB complaints demanding that Experian remove these TWO ( 2 ) UNAUTHORIZED HARD INQUIRIES from my credit report. As of XX/XX/XXXX, Experian has FAILED TO COMPLY WITH ITS LEGAL OBLIGATION to remove UNAUTHORIZED INQUIRIES. Furthermore, in its one of its responses to me on XX/XX/XXXX, Experian erroneously claimed " disputed item not listed on credit report '' while providing said report which CLEARLY INCLUDES THE DISPUTED ITEMS. 

The hard inquiries from XXXX XXXX on on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX were NOT AUTHORIZED BY ME and must be removed.

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 2025-03-19 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:
I am writing to file a formal and urgent complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) for their egregious and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft case. Despite providing two separate FTC Identity Theft Reports, along with my government-issued identification and supporting documents, the credit bureaus have continued to share and report fraudulent information tied to my personal details.

SUMMARY OF VIOLATIONS & CFPB ACTION REQUESTED Despite multiple disputes, the credit bureaus have knowingly and negligently allowed false, fraudulent, and identity-theft-related data to remain on my credit file, violating FCRA 605B, 609, 611, and 623. These violations have caused irreparable damage to my financial standing and personal well-being. 
They have failed to block fraudulent information after receiving my FTC Identity Theft Reports, which is a direct violation of FCRA 605B.

They have refused to provide proper verification of disputed accounts, inquiries, and fraudulent addresses, violating FCRA 609.

They have knowingly and recklessly continued to furnish fraudulent information, causing harm to my financial stability, in violation of FCRA 623. 

They have ignored multiple requests to reinvestigate, despite their legal obligation under FCRA 611, resulting in prolonged financial distress. 
They have continued to share fraudulent data with third parties, actively damaging my financial reputation, which is a serious breach of federal consumer protection laws. 

HOW THIS HAS DESTROYED MY LIFE Because of the blatant failure of these credit bureaus to follow the law, I have suffered severe and ongoing harm including but not limited to : Being denied credit, housing, and financial opportunities due to fraudulent accounts and inquiries affecting my creditworthiness. 
My personal data being misused and linked to fraudulent activities, causing extreme financial distress and emotional anguish. 
Harassment from debt collectors over accounts that are NOT mine, even after providing identity theft documentation. 
An inability to rebuild my financial life because fraudulent information remains on my credit file, despite my legal right to its removal.

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 2025-03-19 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXX/XX/XXXX XXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hello, On XX/XX/2025 I applied in person for a XXXX XXXX account at the Huntington Bank on XXXX XXXX in XXXX, XXXX. I normally do not apply for *anything* in person because I suffer from XXXXXXXX XXXX XXXX and it can be very stressful. However I wanted to make sure that if I signed up for this checking account that I really would receive the {$400.00} " bonus '' as they advertise. I want to be clear about why I'm upset, beyond just the money- Upon meeting the agent, Dusty XXXX who helped me in person, the FIRST and LAST things I mentioned to her, were the " bonus ''. She reassured me that " as long as [ I ] was approved for the account '', this offer would be followed through upon ( so long as I met their direct deposit requirements ). 

It is now XX/XX/2025. Direct deposits on my end have not been a problem. I was expecting to receive the money a short time after the XXXX account requirement had passed. I am on XXXX XXXX XXXXXXXX and {$400.00} could be the difference between a good year and a bad year for me. It occurred to me today that I should double-check with XXXX and XXXX sure that everything is in order before I get too comfortable setting a budget for Spring/Summer. Glad I did because for the first time I was informed of a " promotional code '' that I " would have needed to apply within XXXX  days of account opening ''. The person I spoke with over the phone ( at the same local branch ) told me that it would have arrived through email. Hm. 

I've scoured my email a few times over and conveniently, that email never came. And as luck would have it, the agent who approved me and opened the account? She is no longer working there, XXXX months later. This is predatory banking. I just lost time and money based on a promise from someone I can pretty much only conclude at this point did what they did intentionally, in order just to get a new customer. XXXX. 

XXXX has filed an internal complaint on my behalf, but the answers about whether they're at fault or if there's " anything they can do '' have all been... deliberate non-answers. I am just hoping that by filing a complaint here, myself, that I can throw a flag on the play and point out that there are plenty of people like me who yes, can be taken advantage of. And often are. But who won't let it slide ... because flat-out -- it's unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX Unknown XXXX, XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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