vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the immediate removal of all medical accounts listed on my credit report that do not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or can not be properly verified. The medical accounts in question are either incorrect or do not meet the legal standards required for reporting. These accounts are damaging my credit profile unfairly and must be deleted without delay. I demand a full investigation and prompt correction of my credit file. If this matter is not resolved in compliance with federal law, I am prepared to take further legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was XXXX  for 13 years and upon release I found out my identity was stolen using my social security card number, I began working and opened a direct deposit for my paychecks and that is where I found out about the fraud.i was notified through my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was XXXX  for 13 years and upon release I found out my identity was stolen using my social security card number, I began working and opened a direct deposit for my paychecks and that is where I found out about the fraud.i was notified through my bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was XXXX  for 13 years and upon release I found out my identity was stolen using my social security card number, I began working and opened a direct deposit for my paychecks and that is where I found out about the fraud.i was notified through my bank

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I received a notice that my credit score went down XXXX POINTS! Upon investigation I found that a company called NELNET reported to all XXXX credit bureaus that my student loan payments were XXXX day late payments. I was unaware the XXXX  was my new servicer. Pre-pandemic my servicer was XXXX XXXX and I received no correspondence from NELNET when they took over my loan in XXXX of XXXX until yesterday. This is error was due to NELNET having a mailing address for me that was no longer my address as of XX/XX/XXXX, XXXX  years PRIOR to taking over my loan. NELNET never tried to reinvestigate to determine if my mailing address or email had change. They continued to send correspondence even though no response or portal set up was ever completed. After speaking to a customer service rep at NELNET, I was told they " would not budge '' when it came to removing the delinquent remarks from my credit report even after the account was paid current immediately. NELNET is ruining peoples credit left and right without any care to the consumer/working class. They are absolutely horrid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from 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

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 2025-04-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was frauded out of XXXX $ in my bank account while in XXXX. I went to dispute the transactions they denied me my claim and said nothing happened and they cant do anything about my money being frauded. I went on vacation in XXXX XXXX California and my wallet and phone were stolen. And then I went to jail. When I got out my funds were gone. I disputed the transactions and I was never sent any email to provide evidence that my phone was stolen. 
Or that I went to jail they immediately closed the investigation and conducted it within 9 days. The dispute is XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-16 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: KS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Transunion Equifax and Experian for failing to properly investigate and correct unauthorized student loan accounts on my credit report. I discovered that XXXX in the XXXX account had been reported student loan accounts to Transunion, Equifax and Experian without permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b. The U.S Department of Education can not assign permissible purpose to a XXXX  party, making this an unlawful disclosure of my personally identifiable financial information. I sent formal disputes disputes to Transunion, Equifax and Experian requesting the removal of these unauthorized accounts and documentation verifying that I had consented to this reporting. I also citied 18 U.C.S.C. 1028A ( aggravated Identity Theft ) due to the unauthorized use of my private information. Transunion, Equifax and Experian failure to Comply : Failure to verify Authorization : Either XXXX of the credit bureaus has not provided any documentation proving I signed a contract permitting either credit bureau to report these accounts, damaging my credit. Noncompliance with the FCRA ( 15 U.S.C. 1681i ) : Transunion, Equifax and Experian has failed to conduct a proper investigation and correct this error within the legally required XXXX timeframe. If this issue is not resolved promptly, I am prepared to take further action, including filing a complaint with my state attorney general 's office and pursuing legal action.

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 2025-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX, TX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity. 
- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX  business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

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 2025-04-16 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

Complaint narrative:
, i am writing to formally express my frustration and disappointment regarding the unauthorized deduction from my PayPal account and the ongoing issues preventing me from withdrawing my funds. On XX/XX/year>, PayPal debited {$11.00} USD from my account without my consent, further exacerbating the difficulties I have already been facing in accessing my money.

I originally created my PayPal account while living in the United States, but I have since relocated to the XXXX XXXX. Despite this change, I have been unable to transfer my funds to either my bank account in XXXX or my XXXX bank account. Despite numerous attempts to resolve this issue, the responses from your support team have been inconsistent and unhelpful. XXXX agent even suggested donating the moneyan unacceptable suggestion that demonstrates a lack of seriousness in handling my concerns. 

While PayPal appears to have no difficulty deducting fees and charges, retrieving my own funds has been made unnecessarily complicated. I have provided all required documentation and followed every instruction given by your support team, yet my funds remain inaccessible. The recent unauthorized deduction has only compounded my frustration, and I demand an immediate explanation and resolution. 

I request an urgent review of my case and a clear, prompt solution that will allow me to access my funds without further delay. If necessary, I ask that this matter be escalated to a higher authority. Please provide a definitive timeline for resolution, as I can not continue waiting indefinitely. 

I look forward to your immediate response and a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Prosperity Bank is allowing XXXX ( XXXX XXXX XXXX ) to process XXXX XXXX  transactions without any oversight or regulation. These devices go against anti money laundering and network regulation. Multiple outages with the XXXX XXXX exactly coincided with outages at Dispensaries across the country processing XXXX XXXX Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I ran my credit report and found that a company called professional debt mediation was listed in credit with a balance of XXXX. I did some research and saw it was attached to XXXX XXXX which is an XXXX XXXX. I went by the complex and was told they no longer used that property XXXX they gave me a phone number to call. I called the number but it wasnt to a company it was to a cell phone. I asked for the ledger and to have them call me back and i never got the requested information. I never XXXX XXXX XXXX so i am unsure where this balance came from. I have copies of the messages i sent to the phone number. I called the company i went to the physical XXXX XXXX and still have not been able to get an answer but every month since. XXXX they have stated i owe a balance For absolute resolution i went to court and the case was dismissed by a judge and they are still reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit file, I noticed the following hard inquiries that I did not authorize : XXXX XXXX Auto via Dealer - Inquiry date XXXX XXXX  XXXX  Inquired on - XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX/ XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-16 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: CA

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

Company 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