vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The charge-off reported by XXXX XXXX XXXX  on my credit report is inaccurate and does not belong to me. The account ( # XXXX ) is being reported as Closed Charge Off, with a **past-due balance of {$660.00} and a total balance of {$1000.00}, despite me having no knowledge of or connection to this debt. I have never opened or authorized this account, nor have I incurred any charges under it. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter and verification of all supporting documentation, including the original signed agreement, transaction history, and proof that I authorized this account and any charges made to it. If XXXX XXXX XXXX can not validate this debt with proper evidence, I request its immediate removal from my credit report to prevent further negative impact on my creditworthiness.

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 2025-02-15 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: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. 
The family educational rights and privacy act protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-02-15 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 personal and financial information was compromised without my authorization. 
The family educational rights and privacy act protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-02-15 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 personal and financial information was compromised without my authorization. 
The family educational rights and privacy act protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I was a victim of Venmo fraud. I reported my phone was hacked and my Venmo account and connected bank account was hacked. I reported to Venmo and to my bank and credit agencies. I also filed a police report and had to close my accounts and reopen new ones. My bank blocked the payments but Venmo keeps refusing to accept this as fraud. The total is almost XXXX XXXXXXXX and Venmo said since my bank blocked the payments to a fraudulent scammer that they paid the fraudulent scammer on my behalf and I now owe Venmo the money. I reported fraud and spent multiple hours on the phone with them. I provided the police investigation and all documentation. They are still coming after me and froze my account and have taken all payments that have been received and taken them for themselves. I disconnected my bank account and they are still trying to access it without my permission. I was forced to open a new account. Venmo needs to reimburse the money they stole and take the money back from the fraudulent account. They refuse to let me close my account even after providing all documentation and reporting to the police and all credit agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
According FCRA 611 ( 15 U.S. Code 1681i ) to dispute inaccurate information ; Request that inaccurate, unverifiable, or outdated accounts be removed. 
My information has been leaked due to this reporting agency. 
Experian has violated my rights

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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: MS

Complaint narrative:
Discover Card Services is falsely advertising its fraud protection services for unauthorized transactions. Discover has claimed their policy outweighs laws, statutes, and all other governing bodies. This is false and shows Discover is under belief that they can violate laws protecting consumers. 
The transaction was regarding the purchase of a rug and other textiles. The rug and products were advertised as authentic designer brands, which they were not. The products were also damaged through he methods of packaging by the merchant. 
First Discover claimed the transaction was not a contract, meaning that the Discover agents claim to be certified in the practice of law, and are providing legal conclusions. We need no further explanation besides the fact that any transaction regarding goods is a contract of service to provide goods under UCC. 
Discover then said if XXXX, who is the mediator in the transactions writes to me that the transaction was unauthorized, then a refund will be issued to my card. An email from XXXX that the transaction was unauthorized was provided to Discover, who still refuses to invoke their advertised fraudulent protection services. 
Discover then claims " I need to return the product, per merchant policy '' which was never provided, conveyed, or agreed to at the time of purchase. Discover then claims a merchant need not to provide terms of services, or have them accessible to the public for them to be enforced. This is false and a misrepresentation of contract law. 
The merchant further refuses to provide any return label, address, or other method for the customer to return the product. Discover does not regard this as a form of receipt, even though XXXX stated that the transaction was unauthorized. 
The dispute was conducted through Discover, and the card was then used on XXXX, and payment was delivered to the merchant. Discover is the original body that the dispute was initiated with and is the card provider that advertises fraud protection to cardholders. 
Regardless, Discover is aware that the transaction was unauthorized, and the merchant request is impossible for a refund to be issued. Discover is engaging in fraudulent advertisement, agents practicing law, and discriminating in its investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I would like to clarify that I have not authorized Midland or any other third-party agency to collect any debt on my behalf. I request that you refrain from reporting this disputed debt to credit bureaus. Im requesting that the debt be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Global Lending Services LLC
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit negatively all while being unauthorized and verified and have no permissable purpose. I was also involved in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
Account deactivated with funds inside account. Company is not releasing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Private Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 personal loan from XXXX XXXX {$6000.00} # XXXX opened XXXX, XXXX XXXX {$1500.00} # XXXX opened XXXX, XXXX XXXX {$2200.00} # XXXX opened XXXX, XXXX XXXX XXXX {$2100.00} # XXXX opened 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 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-02-15 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: SC

Complaint narrative:
The followiing accounts are not mine and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get this deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XX/XX/year> -- {$280.00}

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 explanation
Consumer complaint received 2025-02-15 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: KY

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: SC

Complaint narrative:
Someone is using my social security number to open XXXX accounts and trying to open lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Nelnet, Inc.
State: AR

Complaint narrative:
It has come to light that XXXX XXXX and DOGE, through unauthorized means, accessed personal and confidential information protected under the Family Educational Rights and Privacy Act ( FERPA ). This action constitutes a direct violation of FERPA, which ensures the privacy of student education records and restricts access to these records without proper consent.

Under FERPA, students have the right to control access to their educational records, and any unauthorized disclosure, including access by individuals without legitimate educational interests or consent, constitutes a breach of this law. In this case, XXXX XXXX and DOGE 's access to personal data without authorization is considered an unlawful disclosure of protected information.

As a result, immediate corrective actions will be undertaken, including a full investigation into how this breach occurred, and steps will be taken to ensure that all parties involved comply with FERPA guidelines moving forward. Any violation of FERPA can result in severe consequences, including potential loss of federal funding to the institution involved and other legal ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-02-15 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 USC 1681b and 15 USC 1681c, I did not authorize the release of my personal information to the entities in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe is a violation of my consumer privacy rights. Additionally, there are unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that I did not initiate, indicating potential identity theft. Pursuant to the applicable legal statues, I do not owe any debts to these entities and request the immediate removal of the disputed items to correct my credit report. Please address this matter promptly and confirm the removal of the inaccurate entries.

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