vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I went to the shop my exchange.com to buy some furniture they had a promotion that if you purchase {$1400.00} in furniture on your MILSTAR Card itd be no interest for two years. I was told by the representative on the phone that this purchase met the criteria for this promo and that it would be applied. I got my first statement, and I saw that it was not applied. I called in to the MilitaryStar Customerservice and was told that they would put in a request for it to be done. Ive had this happen before and they told me it usually takes XXXX working days now speaking to another representative. They say its XXXX working days for them to correct something thats their fault ; while at the same time they say its my responsibility to call them every day to figure out when they actually corrected this. This is unacceptable. The representative also said that they work these based on as they come in. If they got this many promotional complaints coming in, obviously there is a XXXX in the system. If I had known that I was gon na be spending multiple days trying to get AAFES to apply a promotion that they advertise I wouldve went to one of the local furniture companies in town versus spending my money on post. My recommendation is if you dont have the staffing to correct these issues in a timely manner-stop advertising these promotions. Just like a fee has expectations of customers. Customers also have expectations of AAFES to have correct accurate and timely billing.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: DC

Complaint narrative:
I am filing this complaint because my student loan information has been compromised due to a data breach involving the XXXX  and XXXX  and their loan servicing systems. 

I recently became aware of this breach on, and I am extremely concerned that my personal and financial data ( including SSN, loan details, and contact information ) have been exposed. As a result of this breach, I have experienced uncertainty and a lack of communication. 

This breach represents a massive failure of data security on the part of the XXXX  and its contractors, putting borrowers like myself at risk of fraud, financial harm, and future misuse of our personal data. Given that my sensitive information has been compromised without my consent or fault, I believe I should not be forced to continue carrying this debt. 

I am formally requesting that my loans be discharged due to this security failure, as it has created an ongoing financial and privacy risk that I had no ability to prevent. Additionally, I request that : The CFPB investigate this breach and hold XXXX  and its contractors accountable for exposing borrowers information. 

XXXX  and my servicer provide full transparency on what specific data was compromised and what protections they are offering. 

Borrowers affected by this breach be granted full student loan discharge or alternative remedies, as we should not bear the financial burden of a system that has failed to protect us. 

Any fraudulent activity resulting from this breach does not impact my credit or loan repayment status. 

This breach has placed me and many others at serious risk, and I believe a fair resolution is for affected borrowers to have their loans forgiven due to this negligence. I appreciate the CFPBs attention to this matter and look forward to a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AR

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly, with the reporing agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all report charge off on my credit report and I never received a 1099c from either 4 accounts I disputed with Experian, TransUnion, Equifax, however they did not complete a through investigation my dispute came back as validated however they are still violating code 15 USC 1681 ( i ) which requires reporting agencies to conduct reasonable reinvestigation of disputed items, 15 USC 1681i ( a ) ( 5 ) any information found inaccurate, incomplete, unverifiable must be deleted or corrected. These credit Bureaus have not attempted to remove, nor correct any information. I'm requesting these Accounts be removed or corrected immediately as it's affecting my chances of getting a house. All three Bureaus are violating my rights as a consumer, as well as federal laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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

Complaint narrative:
Subject : Formal Complaint Against PayPal for Unauthorized Withholding of Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal , Inc. regarding the unauthorized withholding of funds from my PayPal account. Despite numerous attempts to resolve this matter directly with PayPal, they have refused to release my funds without providing adequate justification or evidence of any wrongdoing on my part.

Here are the relevant details of the transaction in question : PayPal Account Email : XXXX Transaction Date : XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX Amount Credited : {$87.00} Transaction ID : XXXX The funds were credited to my PayPal account from a legitimate transaction, but after the credit was made, PayPal placed a restriction on my account and refuses to release the funds. I have contacted PayPal multiple times requesting an explanation, but I have not received any clear or satisfactory answers. PayPals only response has been that their actions are consistent with their User Agreement, but they have not provided any specific violations or evidence to support this claim. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating this matter and help facilitate the immediate release of my funds. I believe that PayPals actions are unlawful, and they are causing me undue financial harm by withholding my funds without providing a valid explanation or clear justification for their actions.

Please find below a summary of my interactions with PayPal : I have attempted to resolve this issue directly with PayPal multiple times. 
I have requested detailed information regarding the specific violations or actions on my part that led to the withholding of funds, but PayPal has not provided any specific evidence.

I would appreciate your prompt assistance in resolving this matter and ensuring that PayPal is held accountable for their actions. I am seeking the immediate release of my funds and a clear explanation from PayPal regarding the justification for the restriction on my account.

Thank you for your attention to this matter. I look forward to your assistance in helping me resolve this dispute with PayPal. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I recently became aware that the Department of Government Efficiency ( DOGE ), led by XXXX XXXX, has accessed federal student loan data without borrower consent. I am concerned that this is a violation of my privacy rights under the Privacy Act of 1974 and other federal protections regarding my financial data. 

I did not authorize the sharing of my loan information beyond the Department of Education and my loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
When I checked my credit report today, I discovered inaccurate accounts listed on it, and I have no explanation for their presence. I routinely monitor my report, but this time, I found errors that hadnt been there before. Hoping it was a temporary issue, I refreshed my browser, but the inaccuracies persisted. Because of this, I kindly ask that my submitted documents be carefully reviewed to ensure I never have to deal with this concern again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
am filing a complaint against Experian for failing to conduct a proper reinvestigation of disputed accounts on my credit report, as required under the Fair Credit Reporting Act ( FCRA ) Section 611. 

On XX/XX/year> I disputed the accuracy of the following account ( s ) on my Experian credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I contacted Experian by phone and spoke with a representative named XXXX, who informed me that Experian had reached out to the lender. He stated that the lender merely confirmed the account should remain on my credit report but provided no actual verification documents or supporting evidence. This does not meet the legal standard of a reasonable reinvestigation under the FCRA. 

Additionally, Experian refused to provide any documentation or details regarding the verification process. The representative was also rude, dismissive, and consistently interrupted me, providing misleading and inaccurate information regarding my dispute. 

I have a full recording of this call, in which the Experian representative : 1. Failed to explain how the account was verified.

2. Incorrectly stated that Experian is not required to provide verification details.

3. Dismissed my right to receive information about the verification process under FCRA 611 ( a ) ( 7 ).

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-03-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was looking at vacation packages on XXXX. I tried to book a vacation with insurance, but the flight wasn't included. So I called XXXX within XXXX minutes so they could help me rectify the problem. Their website states that you can get a full refund within XXXX hrs of the purchase, but the representative said that she could not refund me even though she cancelled the transaction because the hotel booked for wasn't answering the call, but that she would escalate for refund. I contacted my bank right away and opened up a dispute. The bank decided to close my account instead of helping me out. Opened the dispute, and closed it without doing any research or refunding the money for the cancelled trip in the amount of XXXX on XX/XX/year>. The bank is 53rd bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Inquiries : XXXX on XX/XX/XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX Experian Inquiry : XXXX XXXX XXXX on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-13 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: OH

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federated Student Loan Services
State: PA

Complaint narrative:
On XX/XX/year> a person outside of the federal government was allowed access to my personal and financial information. this means my personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of my rights and your responsibility to safeguard my information given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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