vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am constantly getting emails from a bill collector or collection agency about a Paypal debt that I am not able to pay because I am XXXX but I am not sure what this is from. I am also complaining about XXXX 's commercials featuring the voice of XXXX XXXX for commercials talking about XXXX XXXX XXXX XXXX in which I agree with the XXXX XXXX XXXX ( AFA ) and following websites about these commercials not being appropriate for XXXXXXXX XXXX. I can also complain about this to XXXX XXXX XXXX XXXX XXXX XXXX  and Federal Trade Commission ( FTC ) https : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As someone who takes their financial health and credit profile extremely seriously, I have always made it a top priority to ensure my credit reports remain clean, accurate, and fully verified. I regularly monitor my credit, promptly dispute any inaccuracies, and have successfully had all prior errors removed in accordance with the Fair Credit Reporting Act. Ive attached a copy of my current credit report as proof it reflects the consistent effort Ive put in to keep my records precise and truthful. 

Thats why it is both baffling and unacceptable to now find multiple phone numbers listed on my TransUnion credit file that are entirely incorrect and have no connection to me whatsoever. Upon accessing my TransUnion credit monitoring, I was shocked to discover a long list of phone numbers that I have never owned, used, or provided on any credit application, official document, or financial account. These numbers are false, irrelevant, and serve only to undermine the accuracy of my credit report which I have worked tirelessly to protect. 

These phone numbers should not be associated with me in any form, yet they continue to appear in the personal information section of my TransUnion file. I have not authorized their inclusion, and TransUnion has not provided any documentation or verification proving that these numbers belong to me or that I ever submitted them. Their presence is not just inaccurate it is a direct violation of my consumer rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which mandates that all information in a consumers credit file must be reported with maximum possible accuracy. Additionally, under 15 U.S.C. 1681i, I am entitled to dispute any inaccurate information and expect a full reinvestigation not an automatic or generic response.

This isnt a one-off error this is a widespread failure in how TransUnion is managing and verifying consumer personal data. The phone numbers listed on my report have no bearing on my identity, and their continued publication misrepresents who I am, creates potential confusion during account verification, and poses unnecessary risk to my credit integrity.

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 2025-06-27 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNTS : XXXX - Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing a formal complaint regarding a charged-off XXXX XXXX account reported balance XXXX that is inaccurately reported on my credit report. 

The account continues to show an active credit limit, even though it is marked as a charge-off. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires accurate and complete reporting. Additionally, if XXXX XXXX is continuing to update or re-age the account, this may violate FCRA Section 605 ( c ).

Ive contacted the credit bureaus and requested an investigation, but I am requesting CFPBs assistance in ensuring that XXXX XXXX either : Verifies the accuracy of this reporting with proper documentation, or Deletes the account from my credit report. 

I believe this reporting is unfair, inaccurate, and harmful to my credit. 

Thank you for your help in resolving 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a formal complaint regarding a charged-off XXXX XXXX account reported balance XXXX that is inaccurately reported on my credit report. 

The account continues to show an active credit limit, even though it is marked as a charge-off. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires accurate and complete reporting. Additionally, if XXXX XXXX is continuing to update or re-age the account, this may violate FCRA Section 605 ( c ). 

Ive contacted the credit bureaus and requested an investigation, but I am requesting CFPBs assistance in ensuring that XXXX XXXX either : Verifies the accuracy of this reporting with proper documentation, or Deletes the account from my credit report. 

I believe this reporting is unfair, inaccurate, and harmful to my credit. 

Thank you for your help in resolving 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a formal complaint regarding a charged-off XXXX XXXX account reported balance XXXX that is inaccurately reported on my credit report. 

The account continues to show an active credit limit, even though it is marked as a charge-off. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires accurate and complete reporting. Additionally, if XXXX XXXX is continuing to update or re-age the account, this may violate FCRA Section 605 ( c ). 

Ive contacted the credit bureaus and requested an investigation, but I am requesting CFPBs assistance in ensuring that XXXX XXXX either : Verifies the accuracy of this reporting with proper documentation, or Deletes the account from my credit report. 

I believe this reporting is unfair, inaccurate, and harmful to my credit. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am disputing an inflated mortgage payoff balance that blocked an active escrow I had a qualified buyer and entered escrow to sell my property. During the transaction, my mortgage company ( Mr. Cooper ) submitted a payoff statement that significantly inflated the total owedexceeding my original loan balance and including excessive, unexplained fees. 

This forced the buyer to pause the sale. My realtor submitted documentation showing that these added fees would result in a greater loss to the mortgage company compared to allowing the sale to proceed. Despite this, the company refused to revise or justify the charges. 

Now, they are pressuring me to either accept an unrealistic loan modification or allow the home to go into foreclosure. They have informed me I am in pre-foreclosure internally, but no official Notice of Default has been filed, and I remain the legal property owner.

I am requesting CFPB investigation and assistance in : Requiring a detailed, itemized explanation of all charges included in the payoff Reviewing their conduct regarding delaying or obstructing the sale of the home Preventing unjust foreclosure while I attempt to resolve or sell I believe this may qualify as unfair servicing practices, fee abuse, or predatory modification pressure in violation of borrower protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX CT XXXX XXXX NJ XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-27 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: HI

Complaint narrative:
The inaccurate information on my credit report is causing significant stress and uncertainty, especially when it affects my ability to access credit for essential needs.

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 2025-06-27 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: AZ

Complaint narrative:
I have an open case num # XXXX Hello, I am writing to follow up on a previously submitted complaint case num # XXXXregarding a disputed student loan serviced by MOHELA under my name XXXX XXXX XXXX. It has been XXXX XXXX and counting where i asked for under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to request : Method of Verification : Please provide a detailed and itemized explanation of how this account was verified, including the entity contacted, dates, and supporting documentation. 

Validation of the Debt : Please produce the original Master Promissory Note ( MPN ) or any legally binding documentation bearing my signature that proves this debt is valid and collectible. 

Chain of Custody : Due to the schools closure, I question the current servicer 's legal right to report or collect on this debt. Please provide the assignment of debt or bill of sale proving legal authority. ( ( * School Closure Discharge Eligibility : Per U.S. Department of Education guidelines ( 34 CFR 685.214 ), I should qualify for a closed school discharge, especially given that no meaningful job placement or internship was ever offered by the institution, which failed to provide a return on educational investment. ) ) Factual Accuracy Review : I am requesting a full review of the date of delinquency and account status, as this account may now be considered aged or uncollectible under federal and/or consumer law.

If the account can not be fully verified in compliance with 15 U.S. Code 1681i, it must be promptly removed from my credit report per the FCRA Despite this, the loan servicer has failed to acknowledge the forgiveness and continues to delay formal resolution. They have not provided a discharge confirmation, nor have they ceased sending account-related notices, even though a formal dispute was submitted and the account is under review. 

I also received an official email from the XXXX Department of Education ( XXXX ) stating that the loan in question has been forgiven as part of actions under the current administration ( email dated XX/XX/year>, attached ). 

I'm asking additionally from Moehla to acknowledge the attached email screenshot, along with the forward flow agreement We respectfully ask that the CFPB : Re-open or escalate this complaint. 

Request a written confirmation of the discharge and permanent closure of the account from the servicer. 

Ensure that no further collection attempts are made in contradiction to the DOEs own communication. 

This ongoing issue is causing unnecessary emotional and financial strain, and we believe the matter should now be resolved with finality. 

Thank you again for your time and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
Error with get cash token out my account without my permission and the dispute transaction done by current bank isnt through of a investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: VA

Complaint narrative:
I am submitting this complaint to report multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by the following companies who have failed to properly verify alleged debts and have continued to report or update them inaccurately : US Collections West XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Failed to validate debt after written request. 
- Updated balance amounts without explanation. 
- Increased balance on XXXX XXXX collection from {$1200.00} to {$1700.00} without notice or supporting documentation. 
- Completed FCRA dispute shows 'consumer disagrees ' but continued reporting without new verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: KS

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-06-27 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation