vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Experian, I am writing to formally dispute in accurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair reporting act and request a thorough investigation into these inaccuracies as required by federal law recently the consumer financial protection bureau file a lawsuit against Experian for its failure to properly investigate, consumer, disputes, citing investigations, and other unlawful practices these practices as outlined by the CFPB include conducting in adequate investigations that fail to address, consumer disputes properly re-inserting previously disputed and inaccurate information without explanation, failing to notify consumers about investigation effectively these allegations highlights, systematic systemic issues that ultimately undermine consumer protections and perpetual inclusion of an accurate information on credit reports deeply concerned that my dispute may be miss handled a similar in a similar manner. Please review the inaccurate information being reported on 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 2025-05-08 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:
These accounts and inquiries were not initiated by me. I did not authorize these transactions and I am not responsible for any associated debts. You are now on notice to complete a reinvestigation or delete these items from my credit file immediately, as required under the FCRA. 

If you continue to report these items, you will be in violation of federal law, and I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General, and seeking damages in civil court under 15 U.S. Code 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
These accounts and inquiries were not initiated by me. I did not authorize these transactions and I am not responsible for any associated debts. You are now on notice to complete a reinvestigation or delete these items from my credit file immediately, as required under the FCRA. 

If you continue to report these items, you will be in violation of federal law, and I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General, and seeking damages in civil court under 15 U.S. Code 1681n and 1681o.

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX  froze my account for 180 days. And siezed my funds with No Interest payment. 

I attempted to link my corporate bank account to the app. 
It was not successful. They froze my account for this violation. 

Meanwhile I also have a business profile with XXXX  in the same app. 
My corporate bank account is already linked. Have made successful transactions. 

They claimed that the name on the account does not match. 
And I am not the authorized account holder or have full control of the account. 

There support team eck out request for documents over a period of 3 weeks. 
Documents after documents... slowly. Like they are delaying intentionally I submit documents to clearly prove this. They refused the will freeze my funds for 180 day with no mention of release. 

I provided Articles of incorporations which clearly shows my name as director of the corporation. 

i provide Bank statements which clearly shows the name of the corporation I provide corporate debit card which clearly show both names. 

I'm dumbfounded by XXXX  thought process. They do not warn users of any 180 days froze funds for violations. They blantantly hide this in small print somewhere. They get to make free interest on my money for this period for the most minor technical issues. 
This business model is predatory and a big scam. 

A class action lawsuit and investigation should be initiated to see if XXXX  give there employees directive to freeze funds at all cost like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

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 2025-05-08 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: MA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
Account Jefferson Capital Systems # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX FCU - XXXX XXXX FCU - XXXX XXXX FCU - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX CARD - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX CXXXX 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 2025-05-08 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: NC

Complaint narrative:
I received a pre-approved offer from XXXX XXXX XXXX for a {$2000.00} credit limit. After signing up, I was surprised to find that the actual credit limit was only {$300.00}, and I was immediately charged a {$75.00} annual fee even though I never used the card at all. 

Because of this misleading offer and the unexpected fee, I called XXXX XXXX multiple times and asked to close the account. Each time, I was told the account was closed and the balance was {$0.00}. I spoke to several agents, including a supervisor named XXXX and a representative named XXXX XXXX XXXX XXXX XXXX XXXX, who both confirmed the closure and promised I would receive written confirmation. I never received any email or letter. 

Despite these repeated confirmations, the account still appears active with a growing balance ( now {$170.00} ), and it continues to be reported negatively on my credit file. This is harming my credit history and score, even though I never used the card and was told it was closed. I called again on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and both times I was told the system would correct it automatically but that never happened. 

This situation has caused me unnecessary stress and credit damage. I am requesting immediate written confirmation of account closure, a {$0.00} balance, removal of all charges and fees, and correction of any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I received a pre-approved offer from XXXX XXXX XXXX  for a {$2000.00} credit limit. After signing up, I was surprised to find that the actual credit limit was only {$300.00}, and I was immediately charged a {$75.00} annual fee even though I never used the card at all. 

Because of this misleading offer and the unexpected fee, I called XXXX XXXX multiple times and asked to close the account. Each time, I was told the account was closed and the balance was {$0.00}. I spoke to several agents, including a supervisor named XXXX and a representative named XXXX  ( XXXX XXXX XXXX ), who both confirmed the closure and promised I would receive written confirmation. I never received any email or letter. 

Despite these repeated confirmations, the account still appears active with a growing balance ( now {$170.00} ), and it continues to be reported negatively on my credit file. This is harming my credit history and score, even though I never used the card and was told it was closed. I called again on XX/XX/XXXX ( XXXX XXXX and XXXX XXXX  ) and XX/XX/XXXX ( XXXX XXXX  and XXXX XXXX  ), and both times I was told the system would correct it automatically but that never happened. 

This situation has caused me unnecessary stress and credit damage. I am requesting immediate written confirmation of account closure, a {$0.00} balance, removal of all charges and fees, and correction of any inaccurate credit reporting.

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 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> I mobile deposited a {$2000.00} check from a very good friend of mine. He's a XXXX  and Truist put it on a 10-day hold. Which the hold is complete XXXX. My friend calls me 2 days after I deposited the check, and it has already cleared his account. So where is my money why are they holding on to it. What are they making money on the interest when its sitting there. It was suppose too be released at XXXX XX/XX/year>. Its not truist is a 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 2025-05-08 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: WY

Complaint narrative:
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  balance of {$73.00} original creditor is XXXX XXXX XXXX XXXX XXXX is commiting identity theft be theft because I never gave this company written permission to share my personal information with a 3rd party.i have never had any business with either company and they are reporting a collection on my transunion credit report.please do a proper investigation and delete this collection from my transunion 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to ensure that all the information being reported about me is accurate and up to date, especially as I prepare for future rental applications.

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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
This is my formal complaint against Aidvantage and the U.S. Department of Education regarding their failure to validate an alleged federal student loan debt.

Despite multiple disputes and certified mailings, Aidvantage has failed to provide legally sufficient documentation. They submitted a generic master promissory note ( XXXX  ) with my name typed in, but no signature, no IP address, no e-signature audit trail, and no proof of borrower authentication or consent. This does not meet legal standards under the ESIGN Act, FCRA ( 15 U.S.C. 1681i, 1681e ( b ) ), or the Privacy Act ( 5 U.S.C. 552a ). 

The payment records they provided are corrupted many fields show # # # # # # # # or Unavailable. There is no complete loan accounting, no deferment documentation, and no evidence that I authorized interest capitalization or balance increases. 

Additionally, Aidvantage has submitted a transaction summary log that claims I signed the XXXX, but again, no actual signature, clickwrap agreement, IP address, or timestamp confirmation was included. They have not verified the debt, transfer of servicing rights, or my consent under FERPA ( 20 U.S.C. 1232g ).

I am attaching a rebuttal letter, the transaction log they provided, and a formal Notice of Intent to Sue. I am also filing complaints with the Office of Inspector General and the Department of Education. If this issue is not resolved immediately, I will proceed with a federal lawsuit for statutory and actual damages under the above laws.

Requested Resolution : - Immediate discharge of the loan due to lack of validation - Written confirmation that Aidvantage can not lawfully service this account- Cessation of all activity on this disputed account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I received two checks from Wellsfargo Bank ( XXXX and XXXX ) with a letter starting a bank error occurred in XX/XX/XXXX and these are compensation / remediation checks. 
I followed up with a request for all details, including itemized amount used to calculate amounts of the check. 
Where has the funds been for the last 9 years. I advised the bank I want mediation. Wellsfargo called me to offer settlement of XXXX ( XXXX per check ). Since then I have received a third check from Wellsfargo. I have my personal XXXX  year documents as deemed needed

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 2025-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
{$1700.00} was taken out of an account attached to my name. I did not authorize this transaction neither do I know where it came from or whats its being charged for! 

SYNCHRONY IS THE BANK ACCOUNT NUMBER ENDING IN XXXX Please send information regarding 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 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I don't know anything about the loan no paperwork has come to my house they just withdraw money out my account but I get no states to keep up with the bill. Also I can't log on to there website to see the balance on the bill. I have called them muilt time and they just keep giving the run around about there website being down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
I returned to this property after being evicted. All the back rent was formally payed. Upon moving back in the landlord upcharged rent and would not renew my lease. I was not given any remtal agreement lr terms so I left the property. The dates they provided are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation