vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I purchased a {$110.00} office chair using PayPal 's XXXX in XXXX option. I only received a partial refund ( {$27.00} ) because I mistakenly filed a dispute for that amount instead of the full transaction. I have provided PayPal with clear evidence that the seller is fraudulent : their website has been taken down and their support email bounces. Despite this, PayPal has refused to reopen the case or refund the remaining amount, citing internal rules. 

I was scammed, and PayPal acknowledged this by granting the partial refund. But now Im being forced to continue paying installments on an item Ill never receive. I believe this is an unfair and unethical application of their policies, especially as I provided evidence that no item was delivered and no contact with the seller is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
As of XX/XX/XXXX, I owed {$200000.00} in student loans while under XXXX XXXX. I realized in XX/XX/XXXX that my loans were improperly accruing interest, resulting in a substantial XXXX in my loan amount. For example, as of the correspondence received on XX/XX/XXXX, I am still accruing interest and owe approximately {$230000.00}. I have spoken with MOHELA over XXXX times, amounting to more than XXXX hours of phone calls, and filed XXXX complaints to correct the amount. However, no change has occurred. Additionally, MOHELA has admitted repeatedly over the phone that the amount is incorrect and that it is improperly accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 ( Identity Theft ) Dear Credit Bureau Representative , I am writing to formally request the blocking and removal of fraudulent information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2. This statute provides that a consumer reporting agency must block information identified as resulting from identity theft within four business days of receiving appropriate documentation.

I have been a victim of identity theft, and as a result, fraudulent accounts and/or inquiries appear on my credit report. These accounts were opened or used without my knowledge or consent. Under 15 U.S.C. 1681c-2, I am exercising my right to have this information blocked. I do not authorize any of these accounts. PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
To Whom It XXXX Concern, I am filing this complaint to formally report multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the inclusion of inaccurate, unverifiable, and outdated information in my credit file. I have suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because of the failure of data furnishers and credit reporting agencies to comply with the law. 
Below is a comprehensive list of the erroneous accounts being reported, along with the relevant legal violations. I am requesting immediate and complete investigation into all items and the removal of any unverifiable or inaccurate information. 
Accounts in Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( both ) Issue : Duplicate XXXX listings, no documentation of debt Violations : o FCRA XXXX XXXX reporting o FDCPA XXXX Lack of debt validation Requested XXXX & XXXX I respectfully request the CFPB XXXX XXXX XXXX following actions : XXXX. Initiate a full investigation into the listed accounts and the data furnishers involved. 
XXXX. Demand proper documentation and validation of each account as required under FCRA XXXX ( a ) and FDCPA XXXX ( b ). 
XXXX. Delete or correct any unverifiable, outdated, duplicate, or inaccurate entries. 
XXXX. Impose penalties or sanctions where willful noncompliance or negligence is found. 
These ongoing issues have caused damage to my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am invoking my rights under FCRA and FDCPA and expect full protection under these laws.

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 2025-06-03 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:
I am reporting a fraudulent XXXX XXXX XXXX XXXX XXXX account that was never XXXX XXXX XXXX XXXX for by me. 

Account Details : Name on Account : XXXX XXXX Account Ending : XXXX Statement Date : XX/XX/25 Amount Due : {$3800.00} Minimum Due : {$3000.00} Address Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX have made multiple attempts to dispute this account with XXXX XXXX and have also filed formal disputes with XXXX XXXX XXXX XXXX XXXX ( XXXX Equifax, XXXX ) XXXX Despite this : The account remains on my credit report and is impacting my credit score. 
XXXX XXXX has failed to provide any proof of an application, including : No signed application form No consent or agreement with my SSN No IP logs or digital submission records tied to me XXXX continues to report the account as delinquent to XXXX XXXX 
This is an unauthorized and fraudulent debt, and I am being penalized despite clear evidence of identity theft. 

XXXX office that keeps sending the bills : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting a fraudulent XXXX XXXX XXXX XXXX XXXX account that was never XXXX XXXX XXXX XXXX XXXX  by me. 

Account Details : Name on Account : XXXX XXXX Account Ending : XXXX Statement Date : XX/XX/year> Amount Due : {$3800.00} Minimum Due : {$3000.00} Address Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX have made multiple attempts to dispute this account with XXXX XXXX and have also filed formal disputes with XXXX XXXX XXXX XXXX XXXX  ( ExperianXXXX  XXXX XXXX XXXX XXXX Despite this : The account remains on my credit report and is impacting my XXXX XXXX. 
XXXX XXXX has failed to provide any proof of an application, including : No signed application form No consent or agreement with my SSN No IP logs or digital submission records tied to me XXXX continues to report the account as XXXX XXXX XXXX XXXX 
This is an XXXX and fraudulent debt, and I am being penalized despite clear evidence of identity theft. 

XXXX office that keeps sending the bills : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL 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 2025-06-03 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: FL

Complaint narrative:
I am reporting a fraudulent XXXX XXXX XXXX XXXX XXXX account that was never XXXX XXXX XXXX XXXX XXXX by me. 

Account Details : Name on Account : XXXX XXXX Account Ending : XXXX Statement Date : XX/XX/year> Amount Due : {$3800.00} Minimum Due : {$3000.00} Address Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX have made multiple attempts to dispute this account with XXXX XXXX and have also filed formal disputes with XXXX XXXX XXXX credit bureauXXXX  ( XXXX XXXX TransUnion ) XXXX Despite this : The account remains on my credit report and is impacting my XXXX XXXX. 
XXXX XXXX has failed to provide any proof of an application, including : No signed application form No consent or agreement with my SSN No IP logs or digital submission records tied to me XXXX continues to report the account as XXXX  to XXXX XXXX 
This is an unauthorized and fraudulent debt, and I am being penalized despite clear evidence of identity theft. 

XXXX office that keeps sending the bills : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL 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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or XXXX on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not XXXX XXXX the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these XXXX  entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXX # XXXX XX/XX/XXXX -- {$730.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was recently sold to a new bank and is being serviced by a new company : Rushmore Servicing. I setup my account and am currently unable to login to my account because their 2factor authentication process/webpage does not work for me. It asks me to select a 2 factor method, I select the only pre-populated option ( which is my email address ) and select the button " Send passcode ''. It does not work and displays the warning " Please Choose a Contact Method : Select one of the contact methods below to receive your one-time passcode ''. The option below is my email which is already selected. The flow is completely broken and I can not login. I have tried to contact support but every time I call I am sent through an automated system, then to a call center. Every time the call is answered I am told they have pulled up my information and they " can not discuss anything with me because of what state I live in '' and then say they need to transfer me to another department ( I can also very clearly hear other agents in the background discussing issues with other callers ). They then " transfer '' me to another department which is just silence. I am not told to wait, there is no hold music, just silence for an indefinite amount of time until I have to dismiss the call. This is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX  XX/XX/year>2025 XXXX XXXX  XX/XX/year>2025 Checked my credit with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
unauthorized inquiries were added to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
unauthorized inquiries were added to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
unauthorized inquiries were added to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing to bring to your attention a concern regarding the way my revolving credit utilization is being reported on my credit file. Upon reviewing my credit reports from all three major credit bureausEquifax, Experian, and TransUnionI noticed that my revolving credit utilization is being reported as high. 

This is inaccurate, as all of my credit card balances are currently low and well within the recommended utilization threshold. I make timely payments and consistently keep my balances below 30 % of the available credit limits. 

I respectfully request that you review and update my credit file to accurately reflect the current status of my credit card balances. If further documentation is needed from my creditors to confirm the correct balances, I am happy to provide statements or account summaries.

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15USC 1681i ( 7 ) states

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America account was charged off, but it is being reported as a new charge-off every month, which is misleading and possibly a violation of the FCRA ( 15 U.S.C. 1681 ). This affects my credit score unfairly and violates my rights under 15 U.S.C. 1681 ( FCRA ).

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Have received text messages and emails have requested forward flow purchase agreement bill of sale and original contract with my wet signature on it non have been shown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

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 explanation
Consumer complaint received 2025-06-04 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:
Charge-off Debt has been filed and is now taxable income and can not be report to my consumer profile.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Charge-off Debt has been filed and is now taxable income and can not be report to my consumer profile.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
b'To Whom It May Concern,\n\nI am writing to file a formal complaint and request your assistance regarding inaccurate and unauthorized personal information being reported on my credit reports by the credit reporting agencies Experian, Equifax, and TransUnion.\n\nSpecifically, my credit reports contain names, addresses, and phone numbers that do not belong to me and were added without my knowledge or consent. I believe this may be a result of identity theft or a serious clerical error. These inaccuracies are harming my credit profile and exposing me to potential fraud.\n\nI am requesting that the following actions be taken:\n1.Immediately delete all personal information from my credit reports that is not directly associated with me, including:\nIncorrect or unknown names\nPast or current addresses I have never lived at\nPhone numbers I have never used\n2.Ensure that only accurate and verifiable personal information remains on my credit file.\n3.Provide a written response confirming the results of your investigation and what steps have been taken.\n\nI have already filed disputes directly with Experian, Equifax, and TransUnion, but the inaccurate information remains. I am now seeking the CFPBs help in ensuring this matter is resolved quickly and thoroughly in accordance with the Fair Credit Reporting Act (FCRA). The following Names, Addresses , Phone numbers is Inaccurate\n\n-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nFollowing numbers\nXXXX 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Charge-off Debt has been filed and is now taxable income and can not be report to my consumer profile.

Company response to consumer: Closed with explanation