vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing with a complaint regarding Paypal. Paypal " permanently limited '' aka shut down my account a few years ago, which is fine. They would not allow me to remove my bank account routing/account information nor my credit card information from the site at that time. I thought it was to make sure that no further transactions went through for 90 days or something like that. 

However, it's now several years later and Paypal still refuses to allow me to unlink my bank account or credit card. The problem is that I recently received a text from Paypal that someone logged in to my account that wasn't me. Though my account with them was XXXX, the login still works and my bank account and credit card information is still available once you log in. 

At first, I logged in and tried to remove the accounts myself, but was unable to do so. Their AI chat bot would not let me send a message, so I found a list of emails on my own and sent them the emails included in the attachment ( " Email to Paypal '' ). I then was contacted by a customer service rep through the Paypal site, but as you will see in the XXXX attachment, they were unhelpful and will neither delete my bank information nor give me an actual answer on what to do next ( Paypal chat log '' ). They just send copy/paste responses that are unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a significant violation of my privacy. I believe my private data has been accessed and stored on personal servers without my consent, potentially by XXXX XXXX or related entities. 
The specific violation I am reporting involves the Department of Education ( DOE ) and its potential misuse of my personal information. I have reason to believe that my private data has been improperly accessed through the Department of Educations systems and subsequently transferred or stored on personal servers that are allegedly under the control of XXXX XXXX or his associated companies. 
This unauthorized access and storage of my sensitive data on external, non-secure servers constitutes a severe breach of my privacy. I have not been notified or given any consent to such actions. Furthermore, I believe this may be a violation of federal privacy protections, including those outlined by the Family Educational Rights and Privacy Act ( FERPA ) and other applicable data protection laws. 
As a consumer, I expect my personal data to be treated with the utmost care and in compliance with all privacy laws and regulations. This violation has caused me significant distress, and I am requesting an investigation into this matter, along with appropriate actions to ensure that my personal data is no longer being stored or accessed without my permission. 
I respectfully request that the CFPB take immediate steps to investigate this matter and provide any guidance on how I can protect my personal information moving forward. I would also appreciate any assistance in ensuring that this violation is properly addressed and that I am notified of any corrective measures taken. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my final attempt to dispute the inaccurate reinsertion of the XXXX account XXXX Account Number : XXXX ) into my credit report. This account was previously deemed unverifiable and removed, yet Equifax has unlawfully reinstated it without proper validation. Despite multiple dispute requests, Equifax has failed to conduct a fair and thorough investigation, violating its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation within 30 days of a dispute. However, Equifax has not provided any legitimate protocol or supporting documentation to substantiate how this account was verified, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). 

Additionally, I have attached a letter from Equifax, dated XX/XX/year>, confirming that the XXXX account XXXX previously deleted. If this account was removed due to a lack of verification, why has it now been reinserted? This action was taken without the necessary certification or required notification, directly violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) which mandates that reinserted information must be verified as accurate and that the consumer must be notified within XXXX business days. I never received such a notice, further demonstrating XXXX non-compliance. 

The Consumer Financial Protection Bureau ( CFPB ) is actively pursuing legal action against Equifax for similar violations, highlighting a pattern of disregard for federal law among credit reporting agencies. Given Equifaxs repeated non-compliance and the harm caused to my creditworthiness, I am seeking XXXX intervention to address these ongoing violations. Furthermore, due to XXXX negligence and failure to uphold its legal obligations, I intend to pursue punitive damages for its continued disregard for consumer rights. 

I demand that Equifax immediately delete this unlawfully reinserted account and ensure compliance with federal regulations moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
To Whom It XXXX Concern at the CFPB, I am submitting this formal complaint regarding a severe and unlawful breach of my privacy concerning my student loan data, which I have reason to believe was accessed without my consentallegedly involving XXXX XXXX and the XXXX Department of Education. This blatant violation of my rights demands immediate action, including the full discharge of my student loan debt as compensation for the harm caused. 

The unauthorized use of my personal information is a direct violation of federal privacy laws, and I am holding both the Department of Education and any involved third parties fully responsible. If my private financial records were accessed or exploited, I insist on immediate loan forgiveness as a remedy for this violation and as restitution for the damages incurred. 

I formally demand that the CFPB : - Initiate an immediate investigation into how my private student loan data was accessed and whether XXXX XXXX or any unauthorized entity was involved. 
- Hold all responsible parties accountable for this illegal privacy violation. 
- Forgive my student loans in full as a direct consequence of this breach and as the only justifiable corrective action. 
- Provide written confirmation of the status of my loan forgiveness within XXXX  days to prevent further legal escalation. 

Failure to act swiftly on this matter will leave me with no choice but to pursue further legal action and escalate this issue to additional federal authorities. The CFPB has a duty to protect consumers from such egregious violations, and I expect prompt and decisive action. 

I expect a written response and confirmation of my loan discharge without delay. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
The following unauthorized credit inquiries were made on my credit report by TransUnion and XXXX without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no inquiry should be made without consumer authorization. These inquiries were unauthorized, and I request their removal from my credit report. 

TransUnion Unauthorized Inquiries : Date : XX/XX/XXXX Creditor : XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX AUTO Date : XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Inquiries : Date : XX/XX/XXXX Creditor : XXXX XXXX BANK XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX VIA DEALER These inquiries were made without my authorization, and I am requesting they be removed in compliance with FCRA regulations within XXXX hours.

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 2025-03-13 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian have not provided proof of a thorough investigation which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the recent CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked inaccurate DEPT OF 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer | Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-13 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 am writing to notify you of a critical issue regarding my credit report. I have recently become aware that my account shows unauthorized late payments, which I believe are a result of identity theft. As I am in the process of moving into a new home, these erroneous late payments are causing unnecessary hardship and hindering my ability to secure housing. 

The late payments in question were not made by me, and I am the victim of identity theft. I respectfully request that you update my credit report to reflect these payments as " Paid as Agreed, '' or remove them entirely if they can not be verified. 

I have attached the relevant documentation, including a copy of my identity theft report, to assist in the investigation and resolution of this matter. I request that you update my credit report as soon as possible to prevent further delays in my housing process. 

Thank you for your immediate attention to this urgent matter. Please provide written confirmation of the actions taken.

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 2025-03-13 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:
I am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
I am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.

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 2025-03-13 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: IL

Complaint narrative:
I'm forced again to fight for the negligence I received during this tragedy. With today 's inflation and cost of living, I can really use this money I lost years ago. Long story short, I lost {$15000.00} due to an email scam. I was in the process of closing and my attorney 's XXXX account was hacked and the criminal impersonated him and sent me an email asking me to wire my closing funds. Innocently, I complied. I went to Bank of America per the instructions and showed them the information. I realize I approved the transaction, and it is only because I believed the information was legitimate. What boggles my mind is why isn't there a law that requires the banks to ask for all details about the wire ( i.e., who sent the instructions, what's it for, call the requestor for verification, etc. ). This crime could've XXXX XXXX  easily been prevented! There should be laws protecting consumers. Not all consumers would be aware of such crime, but banks should be. Please tell me there's still hope. I honestly thought I'd get my money back.

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 2025-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA FSB {$96000.00} XX/XX/year> Ive contacted them on several occasions to let them know that my identity was stolen. I put out a police report to let them know to please take this off of my credit. It is fraudulent. It is not mines.

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