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: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against DeptEndelNet for the unlawful and inaccurate reporting of a student loan account in the amount of {$14000.00}, currently appearing on my credit report without proper authorization, lawful basis, or compliance with applicable federal statutes. The account number ends in XXXX. 

SUMMARY OF ISSUES : Lack of Valid Contractual Relationship with the Debt Collector : I have never contracted or entered into any agreement with DeptEndelNet. 

I am the holder of the original note and was never informed or consented to any sale or assignment of this account to any third-party collector. 

There has been no verifiable documentation provided to show any legal transfer of the obligation. 

Unlawful Reporting Practices : The reporting of this alleged debt as a collection account without proper verification, consent, or notice is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

The consumer reporting agencies XXXX XXXX XXXX XXXX XXXX are furnishing information without ensuring its accuracy or obtaining proper documentation. 

This account is being reported in a way that is misleading and damaging to my credit standing. 

Violations of the Privacy Act of 1974 ( 5 U.S. Code 552a ) : My personal and financial records have been disclosed without my written consent.

Under 5 U.S.C. 552a ( b ), no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency, except with the prior written consent of the individual to whom the record pertains. No such consent was given.

Disclosure to a consumer reporting agency is only allowed under specific, limited exceptions, which have not been met.

Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801-6809 and Regulation P ( 12 CFR Part 1016 ) : There has been no privacy notice provided, and I have not received any opportunity to opt-out of disclosure to nonaffiliated third parties.

Financial institutions are required to provide clear and conspicuous privacy notices before disclosing nonpublic personal information. This was not done.

Damages and Remedies Sought : Under the FCRA, each willful violation entitles me to statutory damages of up to {$1000.00} per violation ( 15 U.S. Code 1681n ). 

I seek immediate deletion of this account from my credit reports. 

I request a complete investigation and explanation from both DeptEndelNet and the consumer reporting agencies. 

I also reserve my right to pursue further legal action if this issue is not resolved promptly. 

Please investigate this matter and confirm deletion of the account from my consumer reports immediately. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am filing a complaint against Discover regarding over {$2000.00} in fraudulent charges on a credit card account that I did not authorize. I have attempted to dispute these charges directly with Discover, but they keep dismissing my dispute as a duplicate and have not conducted a proper investigation. 

I am requesting that Discover provide a full itemized statement of this account so I can review all the transactions in detail. Additionally, I am requesting that this account be removed from my credit report, as it is either fraudulent or contains unauthorized charges. 

Discovers refusal to address this issue is negatively affecting my credit and causing me undue stress.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My computer was initially hacked on XX/XX/2025 at XXXX and this hack lasted until XXXX XXXX. I could tell something was wrong as I could not use the computer, it was frozen and the screen had a message stating XXXX was updating my software. I called my computer support company, XXXX XXXX XXXX XXXX XXXX, to have them look at my computer as it was frozen. They could tell something was wrong and I was told they'd be updating my Malware software that night. They forgot to do it. On Sunday morning, XX/XX/2025 upon waking up at XXXX XXXX, I noticed several text messages were sent to me during the night from PayPal asking me to authorize a {$2000.00} payment to a XXXX XXXX. I immediately responded to PayPal that I did not authorize the payment. I called PayPal as well and was told they authorized a payment made to a XXXX XXXX. PayPal informed me that the transaction looked legitimate as it came from my " computer '' so PayPal could not reverse the payment. I do not know this person and I suspect that his name and email address on PayPal are not real. 
PayPal suggested I contact XXXX XXXX to stop payment which I did on Monday, XX/XX/2025 which I did. However, that left a balance on my PayPal account in the amount of {$2000.00}. 
Currently, PayPal is asking for me to transfer {$2000.00} to satisfy the payment made to XXXX XXXX. I told them that I would not do so as I specifically declined the payment authorization via text to PayPal 's security text on XX/XX/2025. I was informed by PayPal that I had 120 days to satisfy the payment request. After that time, the matter would be forwarded to a collection agency and reported to the three credit bureaus. PayPal has been completely unwilling to cooperate with me to rectify this problem despite repeated requests for assistance. XXXX XXXX XXXX did secure my computer with an updated version of Spyware on XX/XX/2025. I have ordered and received a brand new computer from XXXX per the advice of XXXX XXXX XXXX. I have also changed every password possible and updated my two-step virifications. No other unauthorized financial transactions have occurred since XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
On XX/XX/2025, PayPal unexpectedly restricted my account without providing any reason. At the time, my PayPal balance was {$8200.00}. I repeatedly contacted PayPal to request an explanation, but I received no meaningful response. 

From XXXX through early XX/XX/2025, I used PayPal to receive payments from individuals who voluntarily joined a platform called XXXX XXXX. These individuals sent money to me via PayPal under the friends and family option, and I forwarded those funds to the companys wallet as part of my role assisting with onboarding. 

After the platform collapsed on XX/XX/2025, several of those individuals initiated chargebacks through their banks, falsely claiming they had not authorized the transactions or had not received what they paid for. I submitted documented evidence to PayPal proving the legitimacy of these transactions, including receipts, XXXX messages, confirmation certificates, and bank records. Despite this, PayPal still approved the chargebacks, debited those amounts from my account, and applied a {$15.00} dispute fee per case. 

As a result, my account now shows a negative balance of {$12000.00}. PayPal has not explained their reasoning, nor have they acknowledged the evidence I provided. This situation has caused me severe financial hardship and emotional distress. 

I respectfully request that my funds be returned and that PayPal be held accountable for allowing fraudulent chargebacks without proper investigation.

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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is currently misreporting my name as XXXX XXXX instead of my full legal name, XXXX XXXX XXXX. This seemingly small variation poses significant risk for file misassociation, incorrect public records matching, and account blending. Under 15 USC 1681e ( b ), Equifax is required to maintain maximum possible accuracy, especially for identifiers like legal names. This reporting failure is not only damaging, but also likely the result of erroneous system entries following a data breach or flawed file creation processleading to incorrect or shortened personal information being displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank Of America on XX/XX/year> to notify them of unauthorized charges to my account as well as to file a claim for the unauthorized charges. XXXX seperate claims were filed on this day. We are now approaching XXXX  years since i contacted Bank of America and still have not received any information regarding my claim nor any other mail from them. I have proof of no correspondence from Bank of America because i have kept a visual log of all mail delivered to my address. This information was provided by the XXXX informed delivery. ( XXXX XXXX is a free service from XXXX that shows you preview images of incoming mail, as well as status updates about your incoming and outbound packages. You can see those notifications in a morning Daily Digest email, or at any time via the dashboard from your phone, computer, or the XXXX Mobile app. XXXX XXXX also has other features that make tracking and receiving your packages easier and more convenient. ).

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 I looked at my XXXX  credit report on XX/XX/year>, and noticed somethings are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are NOT supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting the exact same set of late payments on my XXXX student loan accounts under XXXX XXXX, with balances of {$2600.00}, {$4900.00}, {$3300.00}, {$3700.00}, {$2500.00}, and {$740.00}. These reports are inaccurate and defamatory, portraying a history of delinquency that never occurred. I have never received proper notification or billing statements reflecting late statuses from XXXX, and no due process under the Fair Credit Billing Act was afforded to me before these late payments were published. This is a direct violation of 15 USC 1666b, which establishes the consumers right to proper billing and dispute opportunity. Additionally, Experians failure to verify these derogatory marks constitutes a breach of 15 USC 1681e ( b ). Because the reporting spans multiple accounts with identical timing, it points to systemic mishandling or possibly a data breach, resulting in multiple inaccurate entries under my name.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IQOR US INC
State: UT

Complaint narrative:
Filed a dispute with Allied Interstate stating that I had asked from XXXX for the master promissary note and other information and they had never provided it. There was a dispute with this and they never followed up with it. I also sent them a document that an attorney provided asking for fogiveness or dismissal of the loans as them and the college had misrepresented the loans and that I would instantly have a job right after graduation for my degree. This never happened with them sending the documentation asked for or reviewing the document that I sent them.Now I am getting a notice from a collection agency that has this account and on the notice they said that if I dispute the information that they had on the notice to file a dispute on their website and provide the reference number which I provided. The next morning they responded back that they couldn't find any information using my information that I provided them. Checking online I found this is a common ruse that XXXX and their collection agency uses to harass people.This has been a nightmare financially and they don't want to work with me and just keep on adding more and more charges.I was hoping after filing the document that the attorney gave me they would do this but then as soon as I filed it with them they changed the requirements to do this as too many people were filing for it. The state that I lived in at the time of my schooling also filed a lawsuit against XXXX with multiple states because of the private loans and XXXX forgave all students but I had moved right before they agreed with the states and you had to be a resident of the state at the time of the agreement. I feel that they should have included people that used to school at these states. It has been almost XXXX years since I graduated from XXXX XXXX XXXX and it took me almost XXXX years after graduation to find a job within my degree because of the lack of help from the career counselors at the college. With this time the loans hav become a major financial burden even though before I filed bankruptcy almost XXXX years ago but I found out the court didn't consider these.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am an insurance sales professional I was working alongside a company of vendors who I purchased life insurance leads from. I started working with this company in XXXX of 2024 .. around XXXX all my customers that I written with this company were all charge backs and the customers had fake numbers the company was a scam company, I was told by Wellsfargo that they couldnt refund my money back since I authorized the transaction and it was through a third party. I tried to dispute my transactions with the merchant but the merchant XXXX said they would do their best to recover my money and they had 30 days to recover my funds I sent over XXXX dollars to these scammers and now Wellsfargo is telling me my money is at a loss because I authorized the transaction. I sent documents in like I was instructed to do so wellsfargo didnt Even look Or take into consideration of the documents I sent. No one reached out to me every time I called I had to be the one to reach out to them. Wells Fargo insured me they would have someone from the claims department reach out and they didnt, I found out from one of the reps that the rep I spoke to previously never even put the claim in! 
I am very frustrated with Wellsfargo and their negligence and unprofessional nature. They arent taking my concerns seriously or even attempting to try to recover my money! I am currently in debt with my insurance company because of fake scam leads!

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