vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
My credit score dropped by over XXXX XXXX due to student loan late payments, but I was not made aware that my student loans were past due and going to be reported on my credit report. I was not informed of anything on my credit report or email. I have Aidvantage through student loans. It all reported on XX/XX/year>. 
I have already paid towards my private student loan and contacted advantage for a payment plan for income based to reconsolidate my student loans to start making payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding an unresolved dispute that has placed me in a severe financial crisis. In XX/XX/year>, I initiated a dispute over a fraudulent XXXX transaction where I paid {$6300.00} for an item I did not receive. Despite my efforts to resolve the issue with XXXX, PayPal, and XXXX XXXX, and as of today, I have yet to receive any reimbursement, item located, or a clear timeline for resolution. XXXX sided with the seller, leaving me with no recourse through their system. This unresolved issue has resulted in significant financial hardship. I recently moved into a new apartment, and due to the frozen funds, I have been unable to pay my rent or cover basic living expenses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and not covered by any financial assistance such as XXXX. I have exhausted all of my available financial resources and am now facing the risk of eviction and possible homelessness for me and my son. This situation is causing immense emotional distress, and I am struggling to survive day to day. I have attempted to reach out to all parties on numerous occasions, but their lack of responsiveness and transparency has only worsened my situation. I am now in a state of extreme financial vulnerability, with no access to the funds that are rightfully mine. I am requesting that the CFPB look into the manner in which this situation has been handled, as the prolonged delay is not only unjust but also harmful to my well-being. Please advise me on any further steps I can take in this matter and provide confirmation that this complaint has been received and is being investigated. Thank you for your prompt attention to this critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Dear Credit Reporting Department, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment concerning a recent late payment that has been reported on my credit file for the above-referenced account. 

My account was set up on auto-pay, and the required funds were in my bank account at the time the payment was due. However, the payment was returned without my knowledge. I was unaware of this issue until I received a call from XXXX XXXX. Upon being informed, I promptly submitted the payment and confirmed that the auto-pay function was properly set up and active. We were unable to determine the cause of the payment issue, but it was not due to any action or negligence on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX 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 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 
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 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 explanation
Consumer complaint received 2025-04-15 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:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
Back in XX/XX/XXXX, I started making monthly payments of {$30.00} to XXXXXXXX XXXX XXXX through XXXX  for a medical procedure that was done on XX/XX/XXXX. As of now, I still have a balance of {$61.00} and my account is in good standing with the provider. 

In early XXXX, I started getting collection letters from Professional Credit Management , Inc. ( PCM ) saying I owed money on this same debt. I called the original provider and was told my account had never been sent to collections and PCM had no authorization to collect on it.

Even with that confirmation, PCM continued to contact me. The amounts they were trying to collect didnt match what my provider showed. The account numbers didnt line up either. One of the letters said they would no longer respond to any further verification requests. That same day, I received another letter from them about a totally different amount, {$160.00}, with a new reference number. 

They also mailed me a document that looked like a screenshot from some billing system. It had my full Social Security Number and my employer information listed, and none of it was redacted or protected in any way. This was sent through regular mail with no encryption, no warning, and no security measures.

Thats not just unprofessionalits reckless. Sending sensitive information like that by mail without protection puts me at serious risk for identity theft. And on top of that, theyve still never provided any documentation proving they have the right to collect this debt in the first place. 

I have copies of all my payments, my current statement from the provider, my insurance claim showing the amount I owe, and all letters from PCM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I'm submitting a complaint due to the inadequate customer service because I have been trying to get assistance with my minor son 's account in which he was led to believe that he needed to have a PIN set up on his account, me as his sponsor can see that he has money in his account but no way to get to the money and can not find a way to get in touch with cash app to have the money released to me, his mother. This violates the consumer protection act and is also theft of monies that was not theirs to withhold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX Account has been closed since XX/XX/XXXX I ask for it to be remove from my credit report because the account has been closed for 8 years old and have been on my credit report since XX/XX/XXXX. this account has a negative impact on my credit. 

XXXX XXXX Closed XX/XX/XXXX XXXX XX/XX/XXXX This account was on automatic payment from my Bank. The car was total XXXX and report to XXXX and the Insurance company. ally fincl stop automated payment from my bank and received two payment from the insurance company. I XXXX XXXX never stop payment from my bank. also account is 7 years old want account deleted off all credit reporting agency. Also request payment history and dated insurance sent checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Account has been closed since XX/XX/XXXX I ask for it to be remove from my credit report because the account has been closed for XXXX XXXX XXXX and have been on my credit report since XX/XX/XXXX. this account has a negative impact on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account was on automatic payment from my Bank. The car was total XXXX and report to XXXX and the XXXX company. XXXX XXXX  stop automated payment from my bank and received two payment from the insurance company. I XXXX XXXX never stop payment from my bank. also account is 7 years old want account deleted off all credit reporting agency. Also request payment history and dated insurance sent checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : 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 Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I made 2 payment to my escrow account not reflecting they increased my mortgage payment. I called they said they will go over it and readjust it and never did I over paid on the escrow XXXX and a additional XXXXMy mortgage payment should not be higher. I have call serval time for them to correct the situation and it has not been resolved and my mortgage payment is reflecting a hirer balance when it should not have been raised. They have yet corrected their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, thXXXX XXXX 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 oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-15 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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-04-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
AmSher Collections Is Reporting A Collection On My Account I Have Contacted Them By Phone And Email With My Dispute & Validation Letter Within The Email Thread You Can See That They Are Lying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Nearly {$20000.00} of illegitimate charges were made on my Chase XXXX VISA card. All the unauthorized transactions were made with the same merchant XXXX/bill. All trends show that my daughters XXXX account was compromised. XXXX even said that with all the transactions made, all gaming app purchases, the person would have to play more than 24 hours seven days a week. Playing that much is impossible. However, XXXX will not provide me with any type of documentation stating the account has been compromised. The XXXX  account password was changed, a two-factor authenticator was added and a new credit card was used. The account was compromised yet again even using the two-factor authenticator. Chase Bank ( Chase XXXX VISA ) will not do anything without me providing something from XXXX on company letterhead showing how the account was compromised. XXXX has stated to me that they can not determine how the account has been compromised but they did say its possible that the phone has been cloned or the sim card has been compromised. Chase is holding me accountable for these charges that were all 100 % fraud. We received no services or goods from these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

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