vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-15 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-15 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
I continued to go to this market because I have XXXX  children who only eats certain thing from certain places. XXXX XXXX continues to charge me to use my debit card I asked them yesterday why they do they said a fee told them it was illegal and they still charged me they did it again today I have receipts of every transaction on my debit card they continue to add XXXX cents to every transaction I make with my debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OK

Complaint narrative:
I am writing to formally file a complaint against Mohela regarding the mishandling of my federal student loan account and the severe negative impact it has had on my credit profile. 

My student loans were originally serviced by XXXX and were in deferment status at the time they were transferred to Mohela. I had no issues with my XXXX account and had full access to their online platform to manage and monitor my account activity. 

However, after the transfer to Mohela, I was never granted proper access to my new online account, despite multiple attempts to log in and get information. I received no meaningful communication or updates about the status of my transferred loans, nor was I given a fair opportunity to manage or dispute the transition. 

Shockingly, I woke up XXXX day to find that Mohela had reported my loans as XXXX  days past due, which has dropped my credit score by over XXXX points. This delinquency was reported without any prior notice or explanation, and Mohela failed to honor the deferment status that was in place under XXXX. 

I believe this is an egregious failure in Mohela 's servicing responsibilities. Their lack of communication, failure to maintain continuity of deferment status, and incorrect reporting to the credit bureaus have caused significant and unfair harm to my financial standing. 

I respectfully request the CFPB investigate this matter and hold Mohela accountable. I am also asking for : A full review and correction of the reporting to the credit bureaus. 
Removal of the derogatory marks caused by Mohela 's errors. 
A written explanation of why my deferment was not honored. 
Steps to ensure this does not happen to other borrowers. 
Thank you for your attention to this matter. I am attaching any supporting documentation I have, and I am happy to provide additional details upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid taxes onto my account in person at the bank because I was planning to make a charge that was higher than my credit limit. No one told me this was going to cause them to freeze my account for five days and eventually just lose track of my money. I have undergone a great deal of stress trying to recover my {$20000.00}. I am XXXX XXXX XXXX. I have been to the bank in person several times and they have promised to return it. At one point they even promised to just transfer it to a savings account. they never did any of the things they promised and have not given my money back to me either. They are not showing a credit on my account so I can not charge it either the bank is bank of America and it is in XXXX  XXXX  credit card. I had hoped to acquire miles And I feel this is senior abuse as well as 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 monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I am now requesting proof of the previous investigation on account XXXX - XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. This is for XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2500.00}

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 2025-05-15 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: TX

Complaint narrative:
To formally dispute several inaccuracies appearing on my credit reports with each of your bureaus.

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 2025-05-15 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
Report # XXXX this account states it was charged off, I have not received a 1099, I also disputed statue of limitations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-15 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: NY

Complaint narrative:
Report # XXXX - this account states it was charged off, I have not received a XXXX, I also disputed statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-15 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-15 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group
State: AL

Complaint narrative:
I did private student loans through XXXX XXXX. I had income based repayment issues due to low income. XXXX has sold my loans without my knowledge and I dont know who owns the loan or what is going on. I have emails from XXXX from XXXX  this year to click an email link for messages that send me to a random address, not XXXX. At this point they need to forgive my loans to whoever bought it unfortunately. I dont even know who this loan servicer is who was attached to the XXXX link. Ascendium has started calling me and I have no clue who they are or what is going on. XXXX  links connect me to this servicer attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate personal information that is currently being reported on my credit file. Upon reviewing my credit report, I have identified the following inaccurate or outdated personal information : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include in credit reports. The information listed above does not pertain to me and is inaccurate.

In accordance with FCRA 15 U.S.C. 1681i, I am formally requesting an immediate investigation and correction of my file. If you are unable to verify the accuracy of this information within 15 days, it must be deleted from my credit report.

Please remove all inaccurate personal information from my file and confirm in writing when the deletions have been completed. Also, please send me an updated copy of my credit report reflecting these corrections.

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 2025-05-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-15 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: NY

Complaint narrative:
MY RIGHTS HAS BEEN VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THIS INCORRECT INFORMATION OFF MY CREDIT PLEASE.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I went into Chase Bank on XXXX XXXX XXXX XXXX XXXX XXXX  to withdraw my funds from my account. The teller asked for XXXX forms of identification. He told me a credit card could be used with my drivers license. He then asked to send a code to my phone. I didn't receive the code and he then told me the phone number he was sending it to. It was NOT my current phone number which was the phone number provided when the account was opened last year. It was a phone number that was changed XXXX  years ago! And never provided for this account. He then tried to update the number to the correct one but the system didn't allow the withdraw. XXXX other tellers and the XXXX tried to complete the transaction without success. Finally after XXXX minutes the XXXX said the system will allow the transaction only with a second picture ID like a passport. So I drove home and got my passport and drove back to the bank and provided it. The tellers and XXXX then tried for another XXXX minutes to complete the transaction but were not able to because of the system error. I was then told the bank was closed and I was not to recieve my money. This is completely illegal to confirm a client 's identity with XXXX suspicion of fraud and deny a withdrawl. 

The branch XXXX did file a complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Im writing regarding a Nordstrom Card ( through XXXX XXXX  XXXX ) which shows a late payment from 2023. 

While the report is accurate, Ive paid the account off in full and have built a strong track record since. This one historical mark is affecting my ability to qualify for a mortgage.

Im requesting a one-time goodwill adjustment as a courtesy. I appreciate your time and consideration in reviewing my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
In my PayPal account, on XX/XX/year>, I received a payment by mistake by someone named XXXX XXXX, for {$24.00}. I had no way to deny this transaction, so I emailed him asking what its about. Shortly afterwards, I received a request for refund of {$25.00}, greater than the amount I received. PayPal offered no way to refund their commission on this mistaken transaction. I then received a complaint through PayPal from XXXX XXXX that I wouldnt refund the money. I do not think its fair that I get penalized for someone elses mistake? 

I contacted PayPal customer service and the representative said she had no way of resolving this and continued to speak to me as if Im at fault for this transaction. That I have to provide proof of documentation for this sale. I am at a complete loss. I am not a seller. I use PayPal to pay for services and an occasional item on XXXX. To repeat I have no idea who this buyer is, and i had nothing for sale. This was a mistake on behalf of the buyer named XXXX XXXX. 

They now have my account locked, and I owe {$0.00} to reinstate itthe amount that PayPal kept for their commission on this * mistaken * transaction. I do not understand how, in the United States of America, that this is somehow MY fault?? 

I am XXXX and missing my stomach due to XXXX. And on fixed income. {$0.00} may seem small, but in principle this is highly unfair, and the implications of me not being able to use my PayPal account will make my life even more difficult. Please help me with this. PayPal has erected giant barriers that are preventing me from restoring my account, which any other bank could have done easily.

Company response to consumer: Closed with monetary relief