vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Subject : Formal Demand for Immediate Removal of Unauthorized Hard Inquiries Notice of Violation of Federal Law ( 15 U.S.C. 1681n ) I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681n : Inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX These inquiries were made without my authorization or a permissible purpose as defined under 15 U.S.C. 1681b. I did not apply for credit with these entities, nor did I grant any consent allowing these companies to access my credit report. Therefore, these actions constitute a violation of federal law.

Under 15 U.S.C. 1681n, willful noncompliance with the FCRA is subject to actual damages, punitive damages, and attorneys fees. Be advised that if these inquiries are not removed from my credit report within 7 days, I will pursue all legal remedies available to me, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action for damages under 15 U.S.C. 1681n. 
This is your final notice. Failure to comply will result in immediate escalation. 
Sincerely, 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 2025-04-22 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  recently looked at my credit reports on XXXX and XXXX XXXX which allow me to see my TransUnion and XXXX and I noticed all 3 bureaus are reporting some late payments that are NOT accurate and I would\nlike you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate.\nThanks for your help, 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT XXXX REPORTS I HAVE RECEIVED XXXX FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA XXXX CAN NOT BE REPORTED ON XXXX XXXX REPORT AFTER CHECKING MY MOST UPDATED XXXX REPORT XXXX STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS The Goldman Sachs XXXXApple Card is claiming and reporting this balance to a third party even though it has been cancelled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XX/XX/year>, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I am writing to follow up on multiple previous communications regarding unverified negative information still being reported on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with reference number XXXXXXXX XXXX XXXX XXXX XXXX -Equifax- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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: FL

Complaint narrative:
I am writing to follow up on multiple previous communications regarding unverified negative information still being reported on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with reference number XXXXXXXX XXXX XXXX XXXX XXXX -Equifax- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-22 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:
Summary of Events XXXX. Erroneous Payment ( XX/XX/XXXX ) Attempted to pay property taxes via PayPal XXXX XXXX but accidentally sent funds to the " XXXX XXXX XXXX XXXX XXXX '' later confirmed to have no access to the PayPal account. 
Immediate Actions Taken : Contacted PayPal within minutes to cancel the payment but was told reversals were impossible once processed.

Reached out to the recipient using PayPal-provided contact details : Email bounced back ( incorrect address ) ( proof attached ).

Phone calls went unanswered ( later confirmed as valid but unmonitored ). 

XXXX. Disputes Filed & Communication Issues XX/XX/XXXX : Filed disputes with PayPal and XXXX XXXX, providing full error details. 
XX/XX/XXXX : XXXX XXXX rebilled my account and closed the case, stating : " The merchant provided confirmation showing no cancellation per policy was received. '' A follow-up letter ( emailed to spam ) set a XX/XX/XXXX deadline for additional documentation. Missed initially but submitted required proof on XX/XX/XXXX upon discovery. 
XX/XX/XXXX : PayPal declined further action, citing my parallel dispute with XXXX XXXX. 

XXXX. New Evidence Uncovered Contacted the actual XXXX XXXX XXXX XXXX XXXX ( via XXXX ). Their representative, XXXX, confirmed : The PayPal account was inaccessible ( not created by them or their former director ).

They never use PayPal for transactions.

The phone number linked to the account was mistakenly associated with their former director. 
XXXX provided a formal letter ( attached ). 
PayPal later ruled the account fraudulent but refused to reverse the transaction, directing me back to XXXX XXXX ( case details attached ). 

XXXX. XXXX XXXX Response On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, received XXXX dispute update letters stating : " We have a limited time to reverse a charge. Unfortunately, that timeframe has expired for this transaction. '' This ignored new evidence, including : PayPals fraud determination. 
The recipients confirmation letter. 

XXXX. Complaint to CFPB & Final Responses XX/XX/XXXX : Filed a CFPB complaint against XXXX  XXXX for unresolved dispute. 
XX/XX/XXXX : XXXX XXXX again denied the chargeback. Representative XXXX ( XXXX ) stated it was because PayPal refused to return the funds. 
Held a recorded three-way call with PayPal ( XXXX, ID : XXXX ) and XXXX XXXX ( XXXX ) , where Paypal admitted the initial refusal of the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Earlier this week I deposited a check from the XXXX XXXX XXXX  for my XXXX XXXX to my and my husband 's joint account. I used the Citi ATM to deposit the check, that was located directly outside my local branch in XXXX XXXX. My husband and file our taxes together and the check was addressed to both of us. It also included both of our signatures. This morning when I went to check my account balance in my online portal, my account was not listed. My husband visited the local branch and was told our account was blocked. They refused to provide information as to why. Neither did they give us any sort of alert or notification about this issue. We are no longer able to access any of our funds or use our debit cards. There has been no indication of when our funds may be made available again. I promptly reported this issue to Citibank 's XXXX XXXX XXXX. I was given the following case number : XXXX The representative was very kind, but also could not provide any information as to why this had occurred or how/if it would be resolved. I was told I might ( key word might ) have a response in as few as 15 days. That is 15 days without grocery money, without access to my child 's tuition, without doctor 's visit copays, without gas money to take him to school. Please help us.

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 2025-04-22 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: AE

Complaint narrative:
I am filing this complaint against Nelnet regarding inaccurate reporting and possible unlawful disclosure of my student loan information. 

Nelnet is reporting a student loan on my credit report that I believe is inaccurate and/or not properly verified. Despite my request for documentation, Nelnet has failed to provide evidence of the original loan agreement or proof of my authorization to share this information with third parties.

Additionally, I believe Nelnet may be in violation of the Family Educational Rights and Privacy Act ( FERPA ) by disclosing information from my educational records without my written consent. I have requested proof of consent and a full investigation under both FERPA and the fair credit reporting act ( FCRA 15 U.S.C 1681i ), but have not received an adequate response.

I respectfully request that the CFPB require Nelnet to : - provide all supporting documentation for this loan.

- Confirm compliance with FERPA regarding the release of my educational information. 
- Immediately correct or delete any inaccurate or unverifiable information from my credit reports. 
-Cease reporting of this account until full verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was charged Escrow fees of {$6.00}/ Assessed Expenses of {$12.00} on my XX/XX/year> statement for a Escrow that does not exit Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LA

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 2025-04-22 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 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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/year> I called MOHELA at XXXX XXXX XXXX. I have been waiting to speak with someone for XXXX hours. This is my XXXX time attempting to get in contact with someone from MOHELA. Each time it is a XXXX hr+ wait. The first XXXX times I called and waited a little over XXXX hrs just to get disconnected. This is the first time I have made it to XXXX hours of being on hold without being able to speak to someone. I have been reported to the credit bureaus for 90 day late payment, however I have not been able to contact anyone from this company to resolve or make payment. This is incredibly difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management ( MCM ) regarding their handling of a debt collection account that I believe is inaccurate and/ or in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). 

Midland Credit Management has attempted to collect a debt that has been reported inaccurately on me credit report. Despite my attempt to validate this debt and resolve the issue, MCM has continued their collection efforts and/or reported this debt to credit bureaus without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-22 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-04-22 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: CO

Complaint narrative:
I got a email from on XX/XX/XXXX saying I was 16 days past due on my XXXX XXXX card. I paid the bill on XX/XX/year>, 29 days past due. They marked my account 30 days past due. There was only 28 days in XXXX. They inaccurately marked my credit dropping it XXXX points.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I got a email from on XX/XX/XXXX saying I was 16 days past due on my XXXX XXXX card. I paid the bill on XX/XX/year>, 29 days past due. They marked my account 30 days past due. There was only XXXX  days in XXXX. They inaccurately marked my credit dropping it XXXX points.

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 2025-04-22 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: CO

Complaint narrative:
I got a email from on XX/XX/XXXX saying I was 16 days past due on my XXXX XXXX card. I paid the bill on XX/XX/year>, 29 days past due. They marked my account 30 days past due. There was only XXXX  days in XXXX. They inaccurately marked my credit dropping it XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Park Hill Holdings
State: IL

Complaint narrative:
This request is being made as part of the documentation requirements for a housing application I am currently completing. The property management company has asked for a copy of this report to assist in evaluating my eligibility as a potential tenant.

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 2025-04-22 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX  unauthorized reporting of my personal information. I recently became aware that these consumer reporting agencies, along with the furnishers of information, have been reporting my private data without my written consent.

Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish a report with the consumers written instructions, which I have never provided. Additionally, under 12 CFR 1016.7, I have the right to opt out of such information sharing at any time, and I am now exercising that right.

Furthermore, I was never informed of my right to prevent nonpublic personal information from being disclosed to nonaffiliated third parties, as required by 15 U.S.C. 6802 ( b ) ( c ).

I respectfully request that XXXX XXXX and the furnishers of information cease reporting my information immediately, as their actions violate federal law. Detailed information regarding these violations is included in my attached letter.

I appreciate your time and attention to this matter and look forward to a prompt resolution.

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 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I submitted my School Misconduct Discharge Application on XX/XX/XXXX to discharge both of my Private Loans I received from Navient, formerly known as Sallie Mae to attend the XXXX XXXX XXXX XXXX XXXX XXXX I also attached multiple documents as evidence to support my case, including documents of my federal loans that were approved by the School Misconduct Discharge and receipts of my refund of payment of discharged loans. 
I was sent a Denial letter on XX/XX/XXXX by mail. 
It states : " A variety of factors are considered in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I am unclear of the specific reasons why I was denied by Navient when I was approved by the U.S. Department of Education Determined my loans from the XXXX XXXX XXXX XXXX be discharged and refunded. I am submitting for clarification as to exactly why I have been denied this discharge to appeal this denial appropriately.

Company response to consumer: Closed with explanation