vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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
State: CA

Complaint narrative:
I am writing to formally request the immediate return of my funds that have been labeled as " PayPal loss recovery. '' I would like to express my concern regarding this matter, as I do not believe there is any justification for taking my money. 

I have conducted some research and noticed discussions on platforms like XXXX where other customers have shared similar experiences, particularly regarding the timing of these deductions just before they were scheduled to withdraw their funds. 

Additionally, I would like to emphasize the urgency of my situation. My parents lost their home in the recent XXXX wildfire, and I was counting on these funds to provide them with necessary support during this difficult time even though it little If this situation is not resolved promptly, I feel compelled to share my experience on social media platforms, such as XXXX, where I am confident that others who have faced similar issues will also speak out. 
This is theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FRCA ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FRCA ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX, FL XXXX. My phone number is XXXX email XXXX. Company that referred to is. XXXX XXXX XXXX Phone number Address ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. | am deeply concerned that my dispute XXXX be mishandled in

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 2025-03-14 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 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 2025-03-14 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: MD

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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding violations of my privacy rights and unauthorized use of my student loan information. I believe in my rights under the **Family Educational Rights and Privacy Act ( XXXX XXXX ( 20 U.S.C . 1232g ) and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ) have been violated. Additionally, I am concerned about potential fraudulent or deceptive practices involving external parties, including XXXX XXXX and XXXX, and the current XXXX administration. 
XXXX. Privacy Violations My student loan information, which is protected under XXXX and XXXX, appears to have been accessed, shared, or used without my consent. This includes my SSN, address, name, birthday and other private information about me.My information XXXX have or will be accessed by unauthorized individuals with the XXXX, unauthorized sharing, data breaches, or misuse by third parties ]. 

XXXX. Involvement of XXXX XXXX and XXXX I have reason to believe that external parties, including XXXX XXXX and the cryptocurrency Dogecoin, XXXX be involved in activities that have impacted my student loans. 


Legal Basis for the Complaint FERPA ( 20 U.S.C. 1232g ) : Protects the privacy of student education records, including student loan information. Any unauthorized disclosure of my student loan data constitutes a violation of this law. 
XXXX  ( 15 U.S.C. 6801 et seq. ) Protects the privacy of financial information held by lenders and loan servicers. Improper sharing or use of my financial data violates this law. 
XXXX XXXX Laws : If XXXX Musk, XXXX, or any other party engaged in fraudulent or deceptive practices related to my student loans, this XXXX violate federal and state consumer protection laws. 

Request for XXXX I request that the Department of Education investigate this matter and take appropriate action to : XXXX. Determine whether my privacy rights under XXXX and XXXX have been violated. 
XXXX. Investigate the involvement of external parties, including XXXX XXXX and XXXX, in activities that XXXX have impacted my student loans. 
XXXX. Ensure that my student loan information is secured and that any unauthorized use is rectified. 
XXXX. 
Request for Deletion of XXXX : Due to the unauthorized access and misuse of my student loan information, I request that the Department of Education delete all records related to my student loans. This request is based on the following : The violation of my privacy rights under XXXX and XXXX. 

The potential for further misuse of my personal and financial information. 

The lack of confidence in the security and integrity of my student loan records. 

Thank you for your attention to this matter. Please contact me at if you require additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to conduct a proper investigation regarding multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a written dispute stating that the creditors responsible for these inquiries confirmed they had no verbal or written authorization from me. 

TransUnion is required under the Fair Credit Reporting Act ( FCRA ) to investigate and remove any unverifiable information. Despite my request, they have not provided any documented evidence of my authorization for these inquiries. Additionally, TransUnion relies on the EOSCAR system, which has been criticized by the CFPB for not properly verifying information using primary documentation. 

The disputed inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These violations of the FCRA apply : 15 U.S.C. 1681b : No permissible purpose was provided for these inquiries.

15 U.S.C. 1681i ( a ) ( 5 ) : Unverifiable information must be deleted.

15 U.S.C. 1681g : TransUnion has failed to provide proof of my consent.

15 U.S.C. 1681s-2 : Information furnishers must ensure accuracy. 
Based on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), obtaining a consumer report without a permissible purpose violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I purchase a dog in 2018 from XXXX and the dog die the next day of purchase. The company was notified about we got into an agreement that me and my wife werent going to get charged for the situation. A week ago in XXXX we applied for a mortgage and it showed that we had this account in collection which I didnt know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm attempting to access my credit freeze through Equifax. Company refuses to let me log in through XXXXEquifax online portal, constantly giving vague error messages during log-in, as well as during attempts to reset my password, or attempts to create a new account using my personal information. 

Phone-based tool to manage my credit freeze does not work, refuses to authenticate me. 

Can not speak to an actual human being through their phone support. Phone support never picks up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal dispute regarding inaccurate information on my credit report. 

Dear Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently the Consumer Protection Bureau filed a lawsuit against Experian for failure to properly investigate consumers disputes citing Cham investigations and other unlawful practices. These practices as outlined by the CFPB include : Conducting inaccurate investigations that failed to address consumer disputes properly. Reinserted previous disputes and inaccurate information without explanation. 
Failing to notify consumers of investigation results effectively. 
These allegations are highly systematic that directly undermine consumer protections and perpetrate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner. 

Please review the inaccurate information being reported XXXX XXXX the FCRA you are required to conduct : XXXX a proper investigation into my dispute. Inform me of the results of your investigation in a clear, incomprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation is concluded that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue to the CFPB and other appropriate agencies. 

Thank you for addressing this matter properly, I look forward to your response within the legal mandated XXXX day timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AL

Complaint narrative:
My husband and I have had had multiple unknown inquiries on our credit reports. I have tried numerous times to close online accounts with Experian and all data related so as not to have our personal information online. They do not respond and there is not an option to close our account online. This has been happening for about a year to where I can not close the accounts or get anyone to help.

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 2025-03-14 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: KY

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : XXXX. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under XXXX and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX Department XXXX XXXX Family Policy Compliance Office ( FPCO ) and explore legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: KY

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

# # # I am formally requesting the following actions : XXXX. XXXX XXXX XXXX full audit into whether my records were accessed, altered, or deleted without my consent. 

XXXX. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under XXXX and that no further unauthorized access or modifications will occur. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the XXXX Department XXXX XXXX Family Policy Compliance Office ( FPCO ) and explore legal remedies.

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