vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In XX/XX/year>, my PayPal account was suddenly limited and then permanently closed. Prior to this, I was threatened by someone who attempted to pressure me into committing fraud using my PayPal account. When I refused, they said they would report me to PayPal. Shortly after, PayPal limited my account.

I fully complied with PayPals request to provide identification and business information. However, on XX/XX/year>, PayPal informed me that they were unable to mitigate the risk and decided to permanently close my account. They also stated that my funds would be held until XX/XX/year>. 

I never received a clear explanation about what specific actions or violations triggered the closure. I did not commit fraud or violate the User Agreement knowingly. I believe this was a result of the false report made by the individual who threatened me. I have a screenshot of the threat and am willing to provide it.

I am requesting that PayPal release my funds and acknowledge the circumstances that led to this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I am reporting an unauthorized hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2025. I was told it would only be a soft inquiry for prequalification. XXXX is not my first language, and I did not understand I was authorizing a hard inquiry. 
I did not knowingly consent to this hard pull, and I am requesting it be removed from my credit report under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Date : XX/XX/year> To : Bank of America Subject : Request for Deletion of Debt from Credit Report Due to Financial Hardship and Government Assistance I am writing in reference to the collection account with the account number [ Insert Account Number ], which appears on my credit report. I respectfully request that this debt be removed from my credit report due to verified financial hardship. 

At the time this debt was incurred, and continuing to this day, I have been receiving government assistance in the form of XXXX  ( XXXX XXXX XXXX  XXXX ) and XXXX. These programs are provided based on low income and financial need. My financial circumstances have made it extremely difficult to meet basic living expenses, let alone take on any additional financial burden. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to formally dispute the validity and fairness of this debts continued reporting. I ask that you consider my current financial hardship and grant a compassionate deletion of this account. 

This request is not an admission of liability, but rather a good faith appeal to your sense of fairness and community support. I am trying to regain control of my financial life, and removing this collection would significantly help me move toward that goal. 

Attached are copies of my current XXXX and XXXX award letters for verification of my financial hardship. 

Please confirm in writing that this debt will be removed from my credit report with the major credit bureaus ( XXXX XXXX XXXX XXXX ). 

Thank you for your time, understanding, and consideration.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I discovered that Early Warning Services is reporting accounts in my name that I did not open or authorize. I am a victim of identity theft. These fraudulent accounts are affecting my ability to open or manage bank accounts. I have already filed an FTC identity theft report and mailed a dispute directly to Early Warning Services, but the information is still being reported. I am requesting CFPB assistance in removing these fraudulent accounts under FCRA 15 U.S.C. S 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
On XX/XX/year>, I checked my credit report and saw that XXXX XXXX XXXX had made an update to a collection account on my Equifax credit report. The update showed past-due payment history, which is inaccurate and misleading. This account is a collection account and should not be reporting monthly payment activity, especially since the original creditor had agreed to delete the account entirely. 

That same day, I immediately submitted a formal dispute through Equifax, requesting a thorough investigation into the validity of the update and the reporting practices of XXXX XXXX. I explained that this was an incorrect update and that the creditor had committed to deletion, not ongoing updates. 

However, Equifax closed the dispute on the very same day ( XX/XX/year> ), marking it as completed and merely updating the information again rather than correcting or removing it. There is no reasonable way a proper investigation could have been completed in such a short time, especially one involving communication with the furnisher and review of all relevant documents I provided.

This shows a clear failure to conduct a reasonable reinvestigation, which is required under FCRA 1681i ( a ) ( 1 ) ( A ). Additionally, the ongoing reporting of payment history on a closed collection account may violate FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate information, and could also be a form of illegal re-aging under FCRA 605 ( c ).

I believe Equifax has not fulfilled its legal obligations in this matter and has allowed harmful, inaccurate information to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
On XX/XX/year>, a hard inquiry appeared on my credit reports from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX And on XX/XX/year> an inquiry appears on just Transunion from XXXX. I did not apply for any credit or authorize any inquiry with this company. 

This inquiry was unsolicited and unauthorized, and I consider it a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 604 ( a ) ( 3 ) [ 15 U.S. Code 1681b ] : Permissible purposes of credit reports. A creditor may only access my credit report with my express permission or in connection with a credit transaction initiated by me.

FCRA 604 ( f ) [ 15 U.S. Code 1681b ( f ) ] : A person shall not use or obtain a consumer report without a permissible purpose.

Because I did not initiate any transaction, give consent, or have any existing relationship with TBOM/VERVTV, this inquiry was made without a permissible purpose and is not legally valid.

I have already disputed this with the credit bureaus, and I am now escalating this issue to the CFPB. I request the following : 1. Immediate removal of the unauthorized inquiry from all credit bureaus ( TransUnion, XXXX, Experian ), XXXX. An investigation into XXXX practices regarding unauthorized inquiries, XXXX. Any documentation or evidence XXXX  has showing I authorized or initiated this credit inquiry ( which does not exist, as I never applied ). 

This unauthorized access is causing harm to my credit profile and is a direct violation of my consumer rights under FCRA. 

Please investigate and assist in getting this issue resolved and the inquiry permanently 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 2025-07-10 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: MD

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: MD

Complaint narrative:
XXXX University School of Medicine, a for-profit XXXX medical school, improperly induced me to take out the following XXXX XXXX Signature Student Loans to pay tuition amounts not covered by federal aid : Loan XXXX XXXXXXXX, disbursed XX/XX/XXXX, original amount : {$16000.00} Loan XXXX XXXXXXXX, disbursed XX/XX/XXXX, original amount : {$18000.00} I believe the school either misrepresented or gained unauthorized access to my student account to enroll me in these private loans without my full knowledge or consent. 
I previously submitted a School Misconduct Application to XXXX, identifying these concerns, but the request was denied without a clear explanation. 
I believe these loans were originated to help XXXX University comply with the federal 90/10 Rule, which requires for-profit schools to obtain at least 10 % of their funding from non-federal sources such as private loans. In my case, the school appears to have prioritized compliance with this financial rule over ethical lending practices and informed student consent.

I am requesting an investigation into the legitimacy of these loans, the school 's enrollment practices, and potential violations of consumer lending laws and Department of Education regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: QC HOLDINGS INC
State: KS

Complaint narrative:
See attachement. I have been asking for this company to send the account that is owed. Sent dispute in XXXX. Notified from credit report that it was added back onto credit report XXXX.No communication to me about the balance.

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 2025-07-10 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
The company in question is XXXX  Higher Education Loan Authority ( MOHELA ). They were the loan service agency during the COVID period. During that period the federal government excused student loan payments. I opted to make my payments. I was unsure of what was to follow, and I was close to achieving loan discharge through the Public Service Loan Forgiveness program. On or around XX/XX/XXXX I called MOHELA and requested my payments returned under the federal directive. Subsequently I learned my loan had been discharged retro to XX/XX/XXXX. I now had payments to be returned that I made during COVID and now I had overpaid my loan requirements and was due a refund. Your agency must be aware of MOHELA 's reputation. It took hours of phone calls to get straightened out what was owed to me due to over payments. Finally, by around XX/XX/XXXX we received all over payments made after the loan was discharged, except for payments made during the COVID period.

This began a string of calls to MOHELA for the past 2 years. I have contacted MOHELA via phone 10 times in the past two years requesting my payments be returned that I made during the COVID deferment Each and every call representative verbalized I was due this money and they were going to " get on it ''. The amount of money in question is {$10000.00}. I have spent countless hours on hold waiting for MOHELA and nothing ever gets done. I have contacted the Missouri Attorney General to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally report a case of identity theft and unauthorized commercial use of my personal information by Early Warning Services , LLC. I recently became aware that Early Warning Services has obtained, shared, and potentially sold my personal and financial information without my knowledge or consent. At no time did I authorize Early Warning Services to collect, distribute, or monetize my personal identifiable information. This action constitutes a violation of my privacy rights and potentially a breach of the ( FCRA ) and identity theft statutes enforced by the FTC. As a result of their actions, I believe that my identity has been exploited for monetary gain by a third-party entity operating under the guise of consumer risk reporting. I have never applied for services that would warrant Early Warning Servies to possess or process my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-10 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation