vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am a XXXX XXXXXXXX XXXX XXXX, who is the spouse of an XXXX XXXX XXXX that is being unfairly and unjustly targeted by Nelnet and XXXX XXXX Loans. Just being XXXX in XXXX, I am born with disadvantages. I was not born with the privilege of having a silver spoon in my mouth or the privilege of having parents who can pay for my education. I have had to work twice as hard or more within my career. I have a XXXX  AND a XXXX XXXX against all odds. Because I didnt have access to knowledge on student loans and such growing up, I had to figure it out all on my own. I didnt have guidance and the Department of Education failed to properly provide guidance into Federal Student loans and such. I was not afforded the education or resources to make an informed decision. I was utilizing the XXXX XXXX  my XXXX XXXX sponsor signed to me and was still pushed to get Federal Loans to complete my degree. I was under significant financial and XXXX  duress at the time because my spouse had just XXXX, 2 months after having our son. My grandmother, who raised me, died a few weeks into his XXXX. I was raising a XXXX  and a XXXX XXXX XXXX at the time. Nelnet is a predator loan servicing company who kept freely pushing for me to take loans without actually explaining anything. I was not in a right state of mind and Nelnet is a private company who profits off oppressed populations such as myself. They have not attempted to help me, their interest is set to keep XXXX, educated women like myself in financial distress. Nelnet is not an ethical company. I have worked with the XXXX Government for YEARS and have been a Federal XXXX for years. I have served this country as a XXXX XXXX and a Therapist and even that doesnt qualify me for student loans repayments???? Nelnet make it IMPOSSIBLE to pay off their predatory loans. It is a XXXX and oppressive system that keeps non-white individuals like myself from truly succeeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates PC, a debt collection company, has continued to attempt to collect a debt that has already been paid twice. 

The debt has exceeded its statutory limitation because it is from XXXX, but outside of that fact, I have already paid the debt multiple times by way of a payment plan back in XXXX and then again via a lien on my property in XXXX. The property that was on lean was sold in XXXX of XXXX, and the lien was paid to release the deed. However, I have just received a notice from XXXX XXXX bank that my bank account was garnished and placed on hold for {$2100.00} for the same account. The amount has not only been increased but has doubled in the amount. I'm filing a complaint because this is the XXXX XXXX Scott & Associates PC, based out of XXXX TX, has attempted to collect this debt, and the debt has been paid twice already. They have indicated that they have no evidence of payment, but I have communication along with the last payment transaction that occurred in XXXX during the sale of my home located in XXXX, where the lien was issued. I would like to have these collections stopped and also for it to be removed from my credit since it has been paid multiple times, as well as it exceeding the statutory limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
based on 15 U.S Code 1666B & 15 USC 6802B correction of billing error please remove any late payments and update them as always paid on time never late. Please update this soon as possible to my credit as all paid and never late. 


Sincerely, 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 2025-04-28 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: GA

Complaint narrative:
Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
In XXXX my PayPal Account was restricted, they Locked my funds up and I havent been able to withdraw it ever since. They told me after XXXX days I can withdraw but even still after XXXX years they tell me the same thing. They keep saying theyll give me an update when they get one but when is that actually? Do I have to wait another XXXX more years?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Unknown subject contacted me by phone identifying themselves as from the XXXX XXXX XXXX. The subject said that I had been the victim of identify theft and my information had been used to commit crimes in XXXX. They recommended that I contact what they described as a local XXXX police department to resolve the matter. Over the course of about a month, largely through XXXX XXXX  and XXXX, the subject and others persuaded me that I was subject to a criminal investigation in XXXX and that my status as an XXXX XXXX student was at risk and that the XXXX police could arrest me. I am a XXXX national with an XXXX international student visa and am a freshman at The XXXXXXXX XXXX XXXX  XXXX XXXX The subject ( s ) advised me not to speak with anything about the situation. Recently, they provided me with financial transfer instructions for the payment of " pre-trial '' bail in XXXX to avoid arrest and possible impacts on my schooling, etc. On XX/XX/year>, I initiated a wire transfer in the amount of {$34000.00} to the subject ( XXXX ). After having received another call on XX/XX/year>, purporting to be from the FCC, I looked at the XXXX embassy website and found an online scam that was almost exactly what happened to me. XXXX XXXX  XXXX I called the bank about this but they said there is nothing they can do about this and that they can not file a claim about this transaction. I have already filed a claim with the FBI, but they have not contacted me back at all.

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 2025-04-28 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: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this dispute due to the presence of credit inquiries ( " Hard Inquiries '' ) on my credit report that I did not authorize or recognize. Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 of the FCRA ( 15 U.S.C. 1681i ) grants me the right to dispute any information in my report that I believe is incomplete or inaccurate, and the credit reporting agency must investigate the disputed information.

These inquiries are negatively impacting my credit score, and because I did not authorize these credit checks, I am requesting that they be removed from my credit report pursuant to my rights under the FCRA. 

These are the Hard Inquiries I am disputing : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX respectfully request that these unauthorized hard inquiries be permanently deleted from my credit report and that I be provided with written confirmation once the removal has been completed. If the companies that initiated the inquiries can not provide documented proof of my authorization, these inquiries must be removed in compliance with the 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 2025-04-28 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 resending my complaint regarding the fraudulent accounts I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Equifax, and TransUnion credit bureaus remove all fraudulent accounts from my credit report, as required by law. Please find the list of fraudulent accounts that need to be removed from my credit report below. 
Chapter XXXX Bankruptcy Reference # XXXX Date XXXX XX/XX/year> XXXX, XXXX XXXX * * * * * * * * * * XXXX Owed : {$0.00} Chapter XXXX Bankruptcy Reference # XXXX Filed/Reported XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section XXXX and Section XXXX you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : XXXXFile formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney General. 

XXXXInitiate legal action for your violations of FCRA Section XXXX and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

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 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mezcal Corporation
State: CA

Complaint narrative:
According to fcra section 605b it is illegal to report anything on my credit report without my permission please remove this negative item thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX Equifax, Hello I recently received a response to a dispute that i made under FCRA XXXX ( a ) regarding an erroneous item on my credit report. I was shocked to learn that you somehow verified the disputed item and they are still on my credit report. If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I did research on my own and learned that in the case of XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't Merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! I am in the process of planning a legal case, so I need specific questions asked of you in this letter. I expect to receive a response within XXXX days of receipt of this letter, or will expect to see the item in question permanently removed from all records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Complaint Summary : I purchased an XXXX XXXX XXXX XXXX for {$510.00} through the website XXXX. The seller advertised the device as unlocked for use with any XXXX. After receiving the phone, I inserted a XXXX card and immediately received a SIMs restricted message, confirming the phone was not unlocked. 
I contacted the seller directly, and they admitted I would need to have it unlocked myself which was not the agreement at the time of sale. I ran an official XXXX report, which showed the phone has an unpaid balance with XXXX XXXX XXXX and can not be unlocked until the debt is paid. 
I submitted this proof ( including screenshots of conversations and the XXXX XXXX lock status ) to PayPal under their Purchase Protection program. Despite clear evidence that the item was not as described, PayPal wrongly denied my claim. 
I am requesting that PayPal properly review the documentation and issue a full refund as required under their Buyer Protection Policy. If this is not resolved promptly, I will be seeking further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX  XXXX ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXF XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX XXXX {$230.00} XXXX XXXXXXXX XXXX XXXX {$250.00XXXX XXXX XXXX XXXX BALANCED {$140.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXXXXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX BALANCED {$2800.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: VA

Complaint narrative:
A debt has been incorrectly reported to collections for an apartment ( XXXX XXXX at XXXX XXXX Apartments ) that I vacated per lease terms ending XX/XX/year>. Final rent was paid XX/XX/year>. No additional charges were owed. The apartment complex mishandled the account and referred it to collections without providing any notice or proof of debt. I am requesting immediate removal of this debt and investigation into improper collection practices.

Company response to consumer: Closed with explanation