vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
My Destiny Mastercard expired on XX/XX/XXXX, I have yet to receive a new card however I continue to incur monthly finance charges on an account I am unable to access. I have called and requested a new card, that I never received. In XXXX I reported it lost, in hopes they would finally send my card. As of XXXX I still had not received the card so I requested it again. It is now XX/XX/XXXX and I still have not received this card and no help from the company. At some point they should realize there has never been an activation initialized for the credit card since the last expiration. The company does not even offer the virtual card option to load into an XXXX or XXXX wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am submitting this complaint regarding XXXX  ( owned by PayPal , Inc. ) for their failure to protect me against a large-scale scam and their unjust handling of chargebacks totaling over {$60000.00}. Despite acting in good faith and providing goods, XXXX  reversed payments after the sender disputed them leaving me and my friends with negative balances and the threat of debt collection and credit damage. 

In XX/XX/year>, I was contacted by an individual ( now identified as a scammer ) via XXXX XXXX who agreed to purchase a large quantity of sourced items from me, totaling over {$60000.00}. Payments were sent to me and my friends through XXXX, and I fulfilled the sourcing request and delivered the items as agreed.

However, the scammer deliberately marked the payments as Personal Payments rather than Goods and Services bypassing XXXX XXXX Purchase Protection policy. Shortly after receiving the items, the
scammer disputed all of the payments through their credit card issuer, claiming them as unauthorized. 

XXXX  notified me that the chargebacks had been initiated. Although XXXX  submitted a dispute on my behalf, they ultimately ruled that I was ineligible for reimbursement due to the transaction type being marked as personal. I was left with a negative balance of {$12000.00} on my XXXX  account, while my friends were left with similar or larger negative balances. 

I attempted to resolve this matter through XXXX  support, but the case was closed with no resolution in my favor, despite providing clear evidence of the scam. Local police declined to take a report, labeling it a civil matter. XXXX  has not provided any protection, and now we are all at risk of this being sent to collections and damaging our credit even though we were victims of fraud.

This situation highlights a major flaw in XXXX system : there are no safeguards preventing users from misusing the personal payment feature to commit fraud, and no recourse for victims like myself. XXXX refusal to reimburse or freeze collections pending resolution is unethical and irresponsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXXXXXX * * * *, XXXX XXXX - XXXX * * * *, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCU - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXXXXXX * * * *, XXXX XXXX - XXXX * * * *, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCU - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 2025-04-24 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: NJ

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 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 2025-04-24 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:
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 account listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires 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 account that was opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 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 : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XX/XX/year> In accordance with the Fair Credit Reporting Act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX * * * * - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account is not showing maximum possible accuracy according to XXXX XXXX XXXX ( b XXXX, the open date, date last active is not accurate. - Delete Account Immediately for violation of XXXX XXXX XXXX ( b ) XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) I looked at my Experian credit report on XX/XX/year> 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 XXXX 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 general, 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 supposed 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. 


Thank you for your time and attention! 

Sincerely, 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 2025-04-24 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
XXXX found XXXX unauthorized fraudulent inquiries on my credit report XXXX from XXXX XXXX XX/XX/XXXX second XXXX XX/XX/XXXX. Please help me to remove those unauthorized inquiries from my credit files.

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 2025-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint Narrative : I am submitting a formal complaint against XXXX regarding several student loan accounts currently reported under my name. These accounts originated with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and were transferred to XXXX without my knowledge or consent. 

My Social Security Number was used through the National Student Clearinghouse to secure loans I did not authorize. I have previously filed identity theft reports and submitted multiple disputes with credit bureaus and loan servicers. Despite this, these accounts continue to appear on my credit report and are causing significant damage to my financial standing.

This situation also constitutes a clear violation of FERPA ( Family Educational Rights and Privacy Act ), as my confidential student record and personal data were accessed and used without my authorization. This breach has not been acknowledged or corrected by XXXX, despite repeated attempts to resolve the issue. 

Given the severity of this data compromise and privacy violation, I am requesting the following : Full cancellation and discharge of all MOHELA-serviced student loans associated with my name Immediate removal of these accounts from all credit bureaus Written confirmation from XXXX that these accounts have been discharged and closed I am attaching a formal dispute letter and documentation related to this matter. 

Requested Resolution : Cancel all XXXX student loan accounts linked to my personal information Remove all reporting of these accounts from credit bureaus Acknowledge the FERPA violation and confirm permanent resolution in writing

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 2025-04-24 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: GA

Complaint narrative:
Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXX ( Missouri XXXX XXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint Narrative : I am submitting a formal complaint against XXXX regarding several student loan accounts currently reported under my name. These accounts originated with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) and were transferred to XXXX without my knowledge or consent. 

My Social Security Number was used through the National Student Clearinghouse to secure loans I did not authorize. I have previously filed identity theft reports and submitted multiple disputes with credit bureaus and loan servicers. Despite this, these accounts continue to appear on my credit report and are causing significant damage to my financial standing. 

This situation also constitutes a clear violation of FERPA ( Family Educational Rights and Privacy Act ), as my confidential student record and personal data were accessed and used without my authorization. This breach has not been acknowledged or corrected by XXXX, despite repeated attempts to resolve the issue. 

Given the severity of this data compromise and privacy violation, I am requesting the following : Full cancellation and discharge of all MOHELA-serviced student loans associated with my name Immediate removal of these accounts from all credit bureaus Written confirmation from XXXX that these accounts have been discharged and closed I am attaching a formal dispute letter and documentation related to this matter. 

Requested Resolution : Cancel all XXXX student loan accounts linked to my personal information Remove all reporting of these accounts from credit bureaus Acknowledge the FERPA violation and confirm permanent resolution in writing

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 2025-04-24 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: GA

Complaint narrative:
Product : Student Loan Issue : Incorrect information on credit report Account not mine Servicer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Servicing Address : XXXX XXXX XXXX, XXXX, MO XXXX Account Status : Open ( Multiple Accounts ) Credit Bureaus Involved : Experian Complaint Narrative : I am submitting a formal complaint against XXXX regarding several student loan accounts currently reported under my name. These accounts originated with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and were transferred to XXXX without my knowledge or consent. 

My Social Security XXXX was used through the National Student Clearinghouse to secure loans I did not authorize. I have previously filed identity theft reports and submitted multiple disputes with credit bureaus and loan servicers. Despite this, these accounts continue to appear on my credit report and are causing significant damage to my financial standing.

This situation also constitutes a clear violation of FERPA ( Family Educational Rights and Privacy Act ), as my confidential student record and personal data were accessed and used without my authorization. This breach has not been acknowledged or corrected by XXXX, despite repeated attempts to resolve the issue. 

Given the severity of this data compromise and privacy violation, I am requesting the following : Full cancellation and discharge of all MOHELA-serviced student loans associated with my name Immediate removal of these accounts from all credit bureaus Written confirmation from XXXX that these accounts have been discharged and closed I am attaching a formal dispute letter and documentation related to this matter. 

Requested Resolution : Cancel all XXXX student loan accounts linked to my personal information Remove all reporting of these accounts from credit bureaus Acknowledge the FERPA violation and confirm permanent resolution in writing

Company response to consumer: Closed with non-monetary relief