vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 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 2025-07-05 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am unable to pay back these student loan debts. I have a lot of financial responsibility and I'm squeezed thin. I am seeking forgiveness of all my student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a XXXX  account. on XXXX XX/XX/year> I notice 2 charges of XXXX and XXXX taken out of my acct. and paid to a XXXX XXXX. I have never in my 8 year XXXX  history have heard of this person. I went on his XXXX  site, he has XXXX friends and contacts and fraudulently took a total of {$2800.00}. out of my account sent to his. 
I have blocked his acct. XXXX  did a 1 day " investigation and denied my request to refund me this amount. 
they gave me no reason for this denial. I need your help please. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurate repossession details on my credit report. Disputes were filed, but incorrect information remains, violating FCRA. I request deletion or correction immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
This law firm is attempting to collect debts I do not owe. They lied I. Their response to me last. Complaint and said I owed another debt that they never mentioned before. 

These debts are for tolls, because XXXX XXXX XXXX XXXX XXXX didn't work. I paid the tolls by check via certified mail and sent copies of my XXXX XXXX statement to XXXX XXXX  as requested. 

XXXX XXXX sent me a letter each time accepting payment, but still sent the debts which I paid in full and paid for certified mail, to collections with this law firm. 

I have called this law firm, sent proof of payment certified mail, and the law firm continues to lie, say I owe debt, and insult me in writing. 

I attached the law firms invoice showing it's only 1 debt they contacted me about +which I proved I did not owe ), and I attached their response letter stating I owe a different debt they never mentioned, and then blame and insult me. I also attached proof from XXXX XXXX proving I paid that debt as well. 

I should be reimbursed for my time, 10+ hours at this time, plus XXXX rounds of certified mail to prove I paid the tolls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
Ive come across some unfamiliar accounts on my credit report that I never authorized, which suggests possible identity theft. Ive previously addressed this issue with you, and Im now requesting that these accounts be removed from my report immediately. Their presence has caused considerable stress, as they do not represent my actual credit activity or financial behavior. This situation has been difficult, and if it's not resolved, Im ready to pursue legal action to protect my rights. These inaccurate entries have seriously hindered my financial progress, especially when it comes to purchasing a home and providing for my family. I hope for a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: RI

Complaint narrative:
XXXX XXXX is reporting a charge off written off on my credit report. I haven't recieved my 1099 c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-05 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:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-07-05 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: MS

Complaint narrative:
I am filing this complaint against PayPal XXXX XXXX regarding the unjustified and ongoing hold of {$220.00} in my current PayPal account. 

In XXXX, I had an old PayPal account that went negative due to business-related order fulfillment issues during a personal and financial crisis. That debt was eventually sold to a XXXX-party collection agency, XXXX XXXX XXXX and I recently confirmed with their representatives that the balance of {$8000.00} is officially in collections and is outside the statute of limitations ( XXXX. ). They confirmed they are the sole owner of the debt, and PayPal no longer has legal claim to it. 

Despite this, PayPal has frozen {$220.00} in my current active PayPal account, citing the old account as the reason for the hold even though they no longer own the debt and can not legally enforce or collect on it. 

Ive contacted PayPal customer service multiple times, explained the situation, and was escalated to multiple supervisors. While XXXX XXXX agreed to expedite the case, I was still told to wait XXXX business days for resolution which is unreasonable considering the funds have no legal hold against them. I explained the urgency of this situation, including my inability to pay for medical care and basic needs for my child, but was given the runaround for days. 

This is unacceptable and harmful. PayPal is withholding funds they have no legal or financial right to, causing emotional distress and unnecessary hardship for me and my family. 

I am requesting that : The {$220.00} currently being held be immediately released My account features be restored PayPal acknowledge that they no longer have authority to penalize users based on sold, time-barred debts I also want it on record that I attempted to pay or resolve the debt when I learned about the issue, but the collections agency XXXX XXXXXXXX XXXX XXXX that due to the statute of limitations, they could not legally accept payment or enforce the debt. This left me unable to resolve the issue through PayPal or the collector, while still being punished for it. 

I am asking that PayPal take accountability, stop this pattern of unjust fund holds, and ensure that customers are not punished for debts they no longer legally own. 


I am happy to provide documentation from the debt collector verifying the status of the debt if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX XXXX  was charged by XXXX fraudulently. XXXX admitted they charged my card by default without my authorization when another card on file didnt work. XXXX never notified me that the charge was made. Since I never knew the charge was made, I didnt pay the bill on time and it ended up being XXXX  days pass due and reported to the credit bureau as late. 

As soon as I recognized this, I paid the card in full immediately. I filed a fraud dispute with XXXX. They contacted XXXX and XXXX returned the payment from the card because they knew they were in error. XXXX also removed all late fees. 

The problem is, Ive tried to dispute to Experian that my account should show paid as agreed, never late because the late payment was caused by a fraudulent charge I didt know about. 

The dispute resolution center with the credit bureaus do not allow you to accurately submit the true problem. You can not speak to a person and you have to describe the situation in XXXX characters or less. When I spoke to XXXX, the rep on the phone said she doesnt have the power to change my status with the credit bureaus. So every time I file a dispute for this claim, it still shows I paid XXXX  days pass due, even though its been verified that th late payment was caused by me not knowing about the fraudulent charge. Not because I was irresponsible.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Transunion, Equifax, and Experian keeps verifying a bankruptcy through XXXX but i have given each of them a report from XXXX XXXX XXXX XXXX  Bankruptcy Courts that they never sent, gave, nor released any information on me to either of theses agencies and under the FCRA they are commiting violations and causing harm to me

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Kikoff Inc.
State: GA

Complaint narrative:
I submitted another email today XX/XX/XXXX stating that I need this information evaluated. I am submitting this formal complaint against Kik off Lending LLC for reporting a charge-off account to XXXX XXXX, and XXXX  that I did not authorize or open. 



The account was reportedly opened on XX/XX/XXXX, listed as a charge card, and reflects a balance of {$220.00}, with {$120.00} listed as past due as of XX/XX/XXXX. I have no recollection or record of ever initiating or authorizing this account.

Under FCRA 609, I submitted a written request to Kik off Lending LLC asking for proof of ownership and authorization, including any signed agreement or application used to open the account. As of todays date, I have not received any documentation verifying my legal responsibility or signature on the account.

This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Reporting unverifiable or fraudulent data is illegal. I am requesting that the CFPB assist me in : Forcing Kik off Lending LLC to provide full validation and documentation of the debt Removing this account from all three credit bureaus if they are unable to provide proof Ensuring this false or unverified information no longer impacts my credit standing I also reserve the right to pursue further legal action if this account is not removed or properly addressed.

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief