vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I was unaware that my student loans were brought out of forebearance. I was made aware that student loan payment pause or student loan forbearance that was implemented under the Biden Administration had been lifted by ALL of my student loans being declared 90 days late at the same time!

This tanked my credit by XXXX points! It has ruined my ability to resign my lease for my housing or find new housing. It has ruined my ability to obtain auto financing! It will take months... maybe even years to get my credit back to acceptable levels so that I can function within society and not be denied. 

No warning. No calls. No emails. Nothing! 

Just 90 days late on EVERYTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There is a class action lawsuit against synchrony bank for the amount of interest they are charging. I have been paying on my credit card for XXXX years and i still owe the same amount on the credit card. I would like to be added to the class action law suit. Their interest rates are over the allowed amount and they are violating usury laws

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Within the last month, I opened up a cash app account and I have been using it to send money to relatives and friends. Today, I tried to use it and it was closed. I contacted someone and just received the run around. No one could give me an answer as to why it was closed all of a sudden. I noticed on the cash app reviews and question page that this has a trend by cash app.Here are a couple of other complaints : Isnt it strange that you cant talk to anyone? They have messed with the wrong person. I am going to pursue this to I cant pursue anymore for all of us XXXX XXXX  XXXX 1m ago I have been using mine regularly and I received a message stating that I violated their terms and policies and that my account was closed. When I contacted them by phone, they said they could not handle that over the phone but through the chat only. I am livid right now XXXX 8mo ago Mi account closed last Friday for the same reason! I didnt violate any terms XXXX 8mo ago I suspect its just thinly veiled fraud at this point. It will probably continue until someone files a class action XXXX XXXX  XXXX 8mo ago I also got mine closed after 7 years of constant use. I see this is becoming a trend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and.I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Reason : Unverified account

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 2025-03-08 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: CA

Complaint narrative:
I am writing in response to your communication regarding the credit card debt referenced above, which you claim I owe in the amount of {$1000.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe.

Please provide me with the following information : 1. The amount of the debt, including any interest or fees.

2. The name of the original creditor to whom the debt is owed.

3. A copy of the original credit card agreement or contract that demonstrates I am responsible for this debt.

4. A detailed breakdown of any interest, fees, or charges added to the debt.

5. Proof that you are authorized to collect this debt in my state, including any relevant licensing information. 

Until you provide the requested validation, I request that you cease any further collection activities, including reporting this debt to any credit bureaus. 

Please respond within 30 days from the date of this letter. If I do not receive the requested documentation, I will consider this debt invalid and may take further steps to protect my rights. 

Thank you for your attention to this matter. I look forward to receiving the requested 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 2025-03-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing in response to your communication regarding the credit card debt referenced above, which you claim I owe in the amount of {$1000.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe.

Please provide me with the following information : 1. The amount of the debt, including any interest or fees.

2. The name of the original creditor to whom the debt is owed.

3. A copy of the original credit card agreement or contract that demonstrates I am responsible for this debt.

4. A detailed breakdown of any interest, fees, or charges added to the debt.

5. Proof that you are authorized to collect this debt in my state, including any relevant licensing information. 

Until you provide the requested validation, I request that you cease any further collection activities, including reporting this debt to any credit bureaus. 

Please respond within 30 days from the date of this letter. If I do not receive the requested documentation, I will consider this debt invalid and may take further steps to protect my rights. 

Thank you for your attention to this matter. I look forward to receiving the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
After failing to receive my XXXX account statement in the mail I called the company and spoke with a Supervisor named XXXX. I advised her that I could immediately send an electronic funds transfer for my purchases in the amount of {$27.00}. She advised me that she would have to charge me fees in the amount of {$26.00}. I advised her that I had used the XXXX XXXX for many years, always made timely payments and paid the entire balance due in full without ever incurring any fees or interest. She still refused to waive the fees. I believe her decision is unfair and this conduct represents predatory lending practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: U.S. BANCORP
State: CA

Complaint narrative:
US BANK Violated my rights in accordance with the Fair Credit Recoding Act. This reporter has violated my rights under 15 U.S. Code 1681 Sect 602, which states that I have the right to privacy. Under 15 U.S. Code 1604 a Sec. 2, also states the consumer reporting agency can not furnish an account without my written instructions, 15 U.S. Code 1666 b a, states, the creditor may not treat a payment on an open and current account as late under any circumstances.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-08 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>2025, my PayPal account was hacked while I was asleep. I woke up to an email notifying me that my PayPal password had been changed without my authorization, followed by another email minutes later confirming a {$450.00} cryptocurrency purchase ( Ethereum ).

Key Facts Supporting My Claim : 1. The transaction was unauthorized, and my account was compromised.

I never authorized or initiated this cryptocurrency purchase.

The hacker changed my password without my knowledge before making the purchase.

After realizing this, I logged in using Face ID and immediately changed my password to secure my account.

2. PayPal falsely assumed that my Face ID login meant I authorized the purchase.

The Face ID login PayPal detected happened AFTER the unauthorized transaction, when I was recovering my account, NOT approving the transaction.

PayPals fraud review incorrectly concluded that because Face ID was used after the purchase, the transaction was authorized.

This completely ignores the fact that the hacker already had access and had changed my password.

3. PayPal denied my claim without a proper review of fraud indicators.

The sudden password change, followed immediately by a large cryptocurrency purchase, is a clear fraud indicator.

I have never purchased cryptocurrency on PayPal before, which should have flagged this transaction as suspicious.

Despite presenting these facts, PayPal refused to refund my money and did not provide any valid explanation for their denial.

Attempts to Resolve the Issue with PayPal : I immediately reported the unauthorized transaction to PayPal.

PayPal denied my claim, stating the transaction was consistent with my account history and that Face ID was used. 
I escalated to PayPals Executive Office ( XXXX ) but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In late XXXX, right before XXXX XXXX, I met with a XXXX XXXX XXXX XXXX XXXX representative about installing Solar panels on my roof. This company works with XXXX XXXX, a financing company out of California. After reviewing rebates I decided not to do the project. I cancelled within a couple days with XXXX XXXX, which they said, wasn't a problem and was done within the window of cancelation time. I had to email the XXXX XXXX because they were closed on the day the project was canceled. Nothing started or was scheduled so I thought everything was taken care of. 
In early XXXX, I received a letter from the Michigan Department of State - Uniform commercial Code, with a Filing Number & Work Order Number, about a Lien notice. I called XXXX and talked to a representative on the phone on XX/XX/year>. The representative said they did not get the email so I forwarded it along with the return case number. He said he understood and would take care of it. At the end of XXXX, I received another email from XXXX stating they needed confirmation from XXXX XXXX to confirm the cancellation. I then forwarded that email to the XXXX XXXX representatives, XXXX and XXXX, and requested they confirm the cancellation. 
Today, I received a notice from my credit monitoring services that a new account from XXXX was added to my credit report. I tried calling XXXX because they say they are open Saturdays but when you call, the message says they are closed, call back Monday-Friday. I again, forwarded the email request to cancel to XXXX XXXX team and the XXXX service email address and told them I was planning to report this account as a fraud event on my credit and please cancel. 
Another strange thing is the Account number, company address and phone they shared originally are different than information showing on my Experian credit report. 

Details : Organization name : XXXX XXXX  Mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX Phone : XXXX email : XXXX XXXX : XXXX Lenders License # : 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 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This company has contacted me nonstop about collecting the debt

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and TransUnion i called and ask about removing the medical bills of my credit report. i was told that it wasn't for Texas residents.

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 2025-03-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax investigated XXXX XXXX XXXX my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/XXXX I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/XXXX the information was add back on my report again for the third time as of XX/XX/XXXX and removed again on XX/XX/XXXX now the report has been added back to my credit report for the fourth time as of XX/XX/XXXX they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the XXXX time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are hard inquiries that were not authorized by me and I need these removed immediately. I have spoken to the credit bureau who refuse to investigate and remove the hard inquiries. I was also aware that there was a breech and this was an impact to me. Please remove these unauthorized inquires.

Company response to consumer: Closed with non-monetary relief