vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the account reported by SELFINC/LEAD ( Lead Bank ) ending in XXXX, which appears on my credit report with all three credit bureaus XXXX XXXX XXXX XXXX XXXX. This account is inaccurately reported and is in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The payment history reflects multiple delinquencies, including 30, 60, and 90 days past due as recently as XX/XX/year>. I believe this information is incorrect and damaging, and it is having a significant negative impact on my creditworthiness. This inaccurate reporting is directly preventing me from securing credit at lower interest rates and is obstructing my ability to improve my financial situation. 

I demand that this account be investigated and removed from my credit report immediately. Please provide written confirmation that the account has been deleted or corrected as appropriate. If you can not validate the accuracy of this account and its reporting, it must be removed under FCRA guidelines. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I was notified of XXXX default loans that I didn't have anything to do with. Apon further investigation I found XXXX loans and someone went to XXXX XXXX XXXX. Later received a degree in radiology. I've disputed the loans repeatedly and they still conclude that I am responsible for them. I had a XXXX XXXX in XXXX while living in XXXX XXXX I had another XXXX XXXX that caused dibilitating symptoms. 

I moved back to XXXX with no knowledge of the loans. I applied for XXXX another XXXX. I couldn't have attended XXXX XXXX XXXX or XXXX XXXX XXXX because I lived in XXXX  and because my limitations were and are still severe enough that it wouldn't have been nor is it now even remotely possible for me to attend college. 

I gave the Social Security Administration the records to prove the medical and residential information and they passed along the information to the Department of Education demanding they remove the fraudulent loans from my history. Unfortunately it wasn't enough for the loan servicer to remove the XXXX loans from my credit report. I then contacted the Dept of Education again and it was suggested I submit a XXXX XXXX XXXX XXXXXXXX request to expunge the loans from my record. They explained that this would have absolved the person responsible instead of being held accountable. 

I believe it's wrong to allow someone to use my name to It better their life while watching my future dissolve. Please advise.This has weighed so heavily, and it's prevented me from housing, transportation and other necessities that could help me survive.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
b'I submitted a Chase card benefits claim on XXXX XXXX XXXX XXXXbenefit: Trip Cancellation and Interruption Insurance). The amount of the claim was XXXX. Since then, its been XXXX XXXX  months and I have repeatedly contacted the claims team. Every time I call, I am told different or conflicting things; sometimes that documents are missing, sometimes that theyre not. I am always promised a callback within 10 days, which never happens.\n\nI have asked for a written update or claim status and have been denied. Ive also been denied the ability to speak to a supervisor or escalate the matter. Chase card guest service manager on their end has opened an internal case, but there has been no follow-up.\n\nThis is a pattern of delays and mismanagement and appears to be stalling resolution of my benefits claim. I would like the claim resolved or denied with justification, and documentation provided as required.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws.

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) XXXX XXXX XXXXXXXX XXXX fXXXX XXXX XXXX  Please remove or delete from my credit file from all three agencies. 
Thank you

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 2025-06-25 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report is outdated.

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 2025-06-25 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: TX

Complaint narrative:
The personal information on my credit report is outdated.

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 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I used a {$1600.00} PayPal loan to book urgent next-day flights via XXXX to attend my XXXX unexpected funeral on XX/XX/year>. Within minutes of booking, I called XXXX to cancel. The flights were delayed bye hours but no delay was displayed on the website when I booked. I was told Id receive a follow-up within XXXX hours, my refund request was canceled at XXXX am while in the dead of sleep. No one contacted me until XXXX hours later, far too late to cancel or receive a refund. 
I submitted a dispute to PayPal, explaining the urgency and timeline. Despite this, they denied my dispute. I followed up multiple times since. A PayPal representative recently told me the case was being reevaluated, and to watch for updates by email. 
As of now, the {$1600.00} loan : -Is not visible in my PayPal account -Has not been paid -Is not listed on my credit report Im deeply concerned that the loan may be accruing charges, sent to collections, or unresolved in a way that could damage my credit.

I am asking for CFPB help to ensure : -PayPal confirms the loans current status -I receive a full transaction and dispute history -The dispute is fairly reopened and reviewed based on the circumstances -No negative credit reporting or collections occur while this is pending This situation has caused significant financial and emotional stress. I am trying to resolve it in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 occurs when a consumer reporting agency ( CRA ) fails to follow procedures ensuring 100 % accuracy of credit report information. Under federal law, consumers may sue for damages, statutory penalties, and attorneys fees if harmed.

The following items are inaccurate and must be investigated : Unauthorized Inquiry XXXX XXXX XXXXXX/XX/year> ) Unauthorized Inquiry XXXX XXXXXXXX XXXX ( XX/XX/year> ) Unauthorized Inquiry XXXX XXXX XXXXXX/XX/year> ) These inquiries were not authorized and must be deleted immediately. 
Account XXXX ( XXXX ) No proof of this debt has been provided. Under estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ), I presume no valid debt exists. This account must be deleted.

These entries violate my rights under the FCRA and must be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
I have been in a data breach from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and another one, and I told them that somebody else must be using my information to do Request loans request, payday loans or credit etc. the thing is I have called them they havent even sent me the report that I asked for. I told him to send me proof Of me, asking for the loan credit or whatever the they reporting but instead of doing that they tricked me into giving them my Social Security when they provide a different one. they Trick me to give give them my Social Security number. I made the mistake doing it and thats how they did this to report it back to the credible bureaus because they say it is me and its not because Ive been in identity, theft because my information had bean exposed in a data breach of XXXX XXXX XXXX XXXX XXXX, XXXX exposed MY PERSONAL INFO to the public

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a XXXX XXXX settlement following procedural failures. 

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 explanation
Consumer complaint received 2025-06-25 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:
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. These fraudulent accounts consist of an account opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 result 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 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
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
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. These fraudulent accounts consist of an account opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 result 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 result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX called my spouse at XXXX on XX/XX/year> to discuss a debt that does NOT have my husband on the account and I have never authorized any third party to discuss this account with him. All information ( account number, amount owed, when to call back, etc. ) was provided to my spouse without prompt. The collector started the conversation by asking if he had my birthday correct and when my spouse wouldnt confirm or deny, the collector moved into tactics of well why not?!.

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 2025-06-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-25 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: IN

Complaint narrative:
My PayPal account was limited in XX/XX/year>. XXXX USD ( total balance ) was placed on hold for 4 months and after 4 months I got email that they are gon na hold another 2 months Totaling 6 months. 
Today I opened my account to check the balance and it is showing {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
Date : XX/XX/scrub>XXXX XXXX XXXX  To : I.Q. Data International , Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Account # : XXXX Subject : Formal Dispute of Alleged Debt and Request for Immediate Review & Correction To Whom It May Concern, I am writing in reference to the letter dated XX/XX/year>, regarding an alleged debt of {$13000.00} connected to XXXX XXXX XXXX XXXX XXXX XXXX After reviewing the attached resident ledger from XXXX XXXX, I am formally disputing the accuracy and validity of the amount stated. 

The balance in your notice does not match the ledger provided to me. There appear to be significant inconsistencies and errors in charges, payments, and interest calculations. The current debt amount youve listed is incorrect and does not reflect the actual payment history and verified charges Ive received. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the following : 1. A full itemized breakdown of how the {$13000.00} balance was calculated.

2. An explanation for the interest added and justification for each fee charged.

3. A copy of the final move-out statement from XXXX XXXX XXXX confirming the amount owed.

In the meantime, please * * cease all collection activity * * and refrain from reporting this debt to any credit bureau until the matter is resolved and properly verified.

If this amount is proven inaccurate, I request that it be corrected and removed from all records and credit reporting. Please respond to this letter within 30 days in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
There was a data breach that compromised my personal and financial data, violating both FERPA and Title IV protections. I am requesting a full cancellation of all student loan debt associated with the breach and its downstream reporting. Dept of EdXXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
There was a data breach that compromised my personal and financial data, violating both FERPA and Title IV protections. I am requesting a full cancellation of all student loan debt associated with the breach and its downstream reporting. Dept of Ed/XXXX accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They are reporting inaccurate information.

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 2025-06-25 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:
There was a data breach that compromised my personal and financial data, violating both FERPA and Title IV protections. I am requesting a full cancellation of all XXXX loan debt associated with the breach and its downstream reporting. Dept of EdXXXX accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They are reporting inaccurate information.

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