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: 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/year> experian XXXX, XXXX XXXX XXXX  XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account is temporarily blocked and I have been unable to access the {$26000.00} held in my PayPal account for 2 years. Despite following every instruction in the Resolution Center, submitting multiple emails to PayPal customer service and their Executive Escalations team over the past year, and clicking the unlock link they provided, I have received no guidance or support. The link simply states unavailable and offers no next steps or reply. 

This situation has caused me severe financial hardship. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With XXXX XXXX  for the past three months, I urgently need these funds for medical expenses and basic living costs. PayPals failure to respond or resolve the limitation is preventing me from meeting these critical needs. 

I respectfully request CFPBs assistance in compelling PayPal to either lift the restriction on my account or provide a onetime withdrawal so I can access my own money. I have exhausted all of PayPals internal channels and need your help to secure these funds without further delay. 

Thank you for your prompt attention to this matter.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 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: CrossCountry Mortgage LLC
State: UT

Complaint narrative:
I have an account with Cross Country Mortgage. During the holidays I left to another state to be with my family from XXXX to XXXX to spend some time with my XXXX  and get a vacation in. However, during this time Cross Country put that I was late on my account for a couple of months. I have been trying to fix this as my account was set up on auto pay and I have never ever missed a payment. I was never notified that this happened, it was only until I noticed an email that said " make a payment online '' that I thought something was up. I logged in and got current and called Cross Country who could not give me a clear answer but refused to help me fix their error. I'm not asking for much, the funds were in the account, I never cancelled my automatic payments, I never got notified. I am just asking that this please be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was extremely upset to find an unauthorized inquiry on my credit report for no apparent reason. I check my report regularly, and this suddenly appeared out of nowhere. I even refreshed the page hoping it was a glitch, but the issue stayed. XXXX asking for an immediate and thorough review of the documents I submitted because this situation is unacceptable and very stressful.

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 enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account, Account number XXXX in the amount of {$1600.00}, that has been reported on my credit reports by Sunrise Credit Services. According to my credit report, this account was opened on XX/XX/year>. 

I have not received any prior notice from this company, nor have I been provided any documentation verifying the validity of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation and to dispute inaccurate or unverifiable information appearing on my credit reports. 

Despite this, Sunrise Credit Services has reported this debt to the credit bureaus XXXX, XXXX, and XXXX  without providing any communication or verification to me as the alleged debtor. 

At this time, I am requesting the CFPB to investigate Sunrise Credit Services reporting practices and ensure they are in compliance with federal laws. I would like the following information from them : 1. Documentation showing I owe the debt, such as a signed contract or agreement ; 2. A full breakdown of how the {$1600.00} amount was determined ; 3. Proof they are authorized to collect on or report this alleged debt. 

Since I have not been contacted or given the opportunity to validate or dispute the debt before it was reported, this is a serious concern and is negatively impacting my credit. Please assist me in addressing this matter. I am requesting that this item be removed from my credit reports unless proper validation is provided.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Recently went to my bank ( Navy federal ) to get a debit card as I have been away for a number of years, upon my visit I was informed I wasn't able to access my funds because I didn't have the proper identification per the specialist ( XXXX ). I obtained the proper identification and returned and still am not able to access my funds. I was instructed by another banking agent to contact ( XXXX ) XXXX and push XXXX to connect with the XXXX  department. i spoke with XXXX and no none is still able to tell me what is going on with my account however, i have been told I can put money in just can't take it out. 
No one from this bank and or via customer service can give me any information and I have been given the run around with conflicting information. I havent any documentation nor has any been sent or given via mail and or in person.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and saw XXXX account that was open fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 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: CA

Complaint narrative:
I was looking at my credit report and saw XXXX account that was open fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
The company assumed my medical debt and filed a credit report notice that I owed {$1200.00} which was already paid by my health insurance. When asked to remove the debt from my credit report, they told me they would not remove it unless I paid them {$120.00}. When advised about the law that states medical debt especially under {$500.00} cant be put on a credit report, they said they didnt have to comply with that rule.

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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
went to an attorney for help XXXX XXXX  ( awful ) and he put in XXXX  by mistake and I could not talk with company XXXX  is over and they still will not give me on line service on send me info on my account which some papers are not my papers that they sent to me. It is a mess from name of service to trying to get information from them. 3 names of Mortgage company XXXX, XXXX  and 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 2025-04-15 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: FL

Complaint narrative:
This is not a mistake, my credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and well-being. I urgently request that they be thoroughly investigated and corrected or removed immediately.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NC

Complaint narrative:
I have asked them to stop calling me and to only communicate with me via mail. They constantly call me and even as late as XXXX EST. I wish to only communicate with them via mail. This is my right and again on their recorded line I have asked twice, so please do not call me anymore.

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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) that you, the TRANSUNIO 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 a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I contacted CCS companies on a payment basis thats already been resolved through another company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account has been hacked more than once. I have both a PayPal account ( which was historically directly connected to my bank account ) and a PayPal credit account. Over a year ago, after fraudulent transactions were processed, I told PayPal to shut down my account and I disconnected the bank account connection and ensured that the account balance was XXXX. I redirected my payments that were historically processed through PayPal to other vehicles or shut them down, in some cases. I did allow the PayPal XXXX account to remain active, but have not had a balance on it since that time. Now, a year later, I have started receiving account statement notifications routed to my email ; however, my account is locked, so I can not access my account or my statements to see what has been charged. PayPal customer service indicated that I authorized some subscription transactions, creating a " negative balance '', yet will not allow me to see what transactions are there unless I pay the " negative balance ''. Their customer service and fraud departments are clearly managed by individuals outside of the US and they will only tell me that they " know '' that I authorized the transactions, are asking intrusive questions, and will not fix my problem unless I pay them more money. They are committing fraud.

Company response to consumer: Closed with non-monetary relief