vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Accurate Background
State: CA

Complaint narrative:
My rights were violated under the fair chance act by Accurate Background, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: 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 disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Subject : Urgent Request to Reopen Account Closed Due to Inappropriate Message Sent by Another User To Whom It May Concern, I am writing to formally dispute the closure of my Cash App account, which I believe was unjustly deactivated due to a message that was sent to me by another user in the For or note section of a payment. I had no control over the content of this message and was not aware that it violated Cash Apps terms of service.

I have always used my account in a lawful and responsible manner. I did not solicit or encourage any inappropriate behavior, and I feel it is unfair that my access to the platform has been revoked without warning or the opportunity to resolve the situation. 

I respectfully request that my account be reviewed and reinstated. If further verification or clarification is needed from my side, I am willing to provide it. 

Please respond at your earliest convenience regarding the status of my account or any possible steps I can take to appeal this decision. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX XXXX XXXXXXXX Phone Number : [ XXXX ] Email Address : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Last week I went to Experian to check my yearly free credit report. I made an account and went through all the set up, and it got to a point where it asked me to approve a charge of {$0.00} to see the credit report. I did, and was in no obvious way informed at that time that I was actually signing up for a {$25.00} a month membership with them. I was deceived into thinking I was just getting a credit report. I never received any confirmation of signing up for this subscription, either. I only found out today when they tried and thankfully failed to charge me for that {$25.00}. I went to their website to immediately cancel this subscription, and they have made it impossible to get to your account and subscription details to cancel without paying first. They will not allow me to cancel the subscription that I was deceptively signed up for unless I pay for it.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Equifax Score is declining and the reasons used are as follows Helping your credit score The balances on your accounts are not too high compared to loan limits Few or no installment accounts with delinquent or derogatory payment status You have few or no accounts that were opened recently None of your accounts have a severe delinquency or a derogatory status Hurting your credit score The date you opened your oldest bankcard or credit card account is too recent Lack of sufficient credit history Lack of sufficient relevant real estate account information No open bankcard or credit card acc, ounts in your credit file I meet all the criteria for what helps the score, however my credit score is declining while bills or open accounts are being paid on time. 

Equifax did not report auto loan of XXXX XXXX XXXX financed XXXX thru XX/XX/XXXX until paid off. 
Equifax is decreasing credit score for not having relevant real estate, however the lender declines the loan for lack of reported credit history Equifax, Experian and XXXX  failed to report on credit history and to many soft pulls that Experian and Credit Karma conducts on a daily bases.

Although credit score is good I do not qualify for a credit card that Equifax is penalizing credit score for not having a credit card that i do not qualify for.

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 2025-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
MOHELA owns my loans. I had successfully reached XXXX qualifying payments on the PSLF counter 3 months ago, and under normal circumstances, and continued monthly payments, I would have now completed the 120 payments required for forgiveness.

However, unexpectedly and without my request, my account was placed into forbearance right at the 118-payment mark. This pause has remained in effect for the last 3 months and has prevented me from reaching the 120-payment milestone. I've worked for a nonprofit public healthcare system throughout this period, fully intending to meet all PSLF requirements. I'm even willing to make immediate payments for the2 missed months if that would allow me to complete the program and move forward with forgiveness. 

Can you please advise : ( 1 ) Can the forbearance be reversed so these three months can count? ( 2 ) If not, can I make a lump-sum payment for the two missed months to satisfy the 120-payment requirement? ( 3 ) What exact steps should I take to ensure this is resolved and I can have those months counted? ( 4 ) Would enrolling in a different PSLF-eligible repayment plan be a quicker option and would I then do the buyback from there or just pay the 2 months? 

This has been a long journey, and being this close to forgiveness makes this situation especially frustrating. I truly appreciate your help in resolving it and all options available to me to explore. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 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: WV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and Im filing this CFPB complaint because I am a victim of identity theft. There are accounts and hard inquiries on my Equifax credit report that I did not open or approve. These fraudulent accounts include XXXX XXXX ( opened XX/XX/XXXX, balance {$2200.00} ), XXXX XXXX XXXX for XXXX XXXX assigned XX/XX/XXXX, balance {$210.00} ), XXXX XXXX XXXX opened XX/XX/XXXX, balance {$0.00} but included in bankruptcy ), XXXX XXXX ( opened XX/XX/XXXX, charged off for {$940.00} ), XXXX XXXX ( opened XX/XX/XXXX, charged off for {$1000.00} ), XXXX XXXX XXXX opened XX/XX/XXXX, charged off for {$150.00} ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$630.00} ), and XXXX XXXX XXXXXXXX ( assigned XX/XX/XXXX, balance {$10000.00} for XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not apply for these accounts they were opened fraudulently. There are also multiple unauthorized hard inquiries including XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have filed an FTC Identity Theft Report ( # XXXX ) to prove this. I am asking Equifax to remove all these fraudulent accounts, collections, and inquiries, and to stop any collections related to them as allowed under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because [ Experian/Equifax/TransUnion ] has included inaccurate personal identifying information on my credit report, which is affecting the accuracy of the file and creating reporting errors. 
I have disputed the following items directly with the bureau by certified mail and provided proof of my correct identity and current address, but they have not been properly updated. 
Specifically, I am requesting deletion of incorrect names, former addresses, and an outdated phone number, and correction of my current personal info to reflect only my verified, legal identity. 
I am requesting that the CFPB intervene to ensure that the bureau removes : Incorrect names : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect phone : ( XXXX ) XXXX Incorrect Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct personal information, which I am requesting be reflected on my credit file, is as follows : Full legal name : XXXXXXXX XXXX XXXXXXXX Current XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Phone number : ( XXXX ) XXXX XXXX Employer XXXX XXXX XXXX Real Estate, XXXXXXXX XXXX XXXXXXXX Incorporated Additionally, I request the immediate removal of all personal statements and active fraud alerts from my credit file. These notations are outdated, no longer applicable, and are interfering with the accuracy and automation of my credit report. Please remove all such remarks and alerts immediately. 

This information is supported by the attached government-issued ID and proof of address. 
My correct personal information has been submitted to the bureau via certified mail and includes a government-issued ID and utility bill as proof.

I am requesting immediate correction under FCRA 607 ( b ) and 611 ( a ). These inaccuracies are damaging and must be removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because [ Experian/Equifax/TransUnion ] has included inaccurate personal identifying information on my credit report, which is affecting the accuracy of the file and creating reporting errors. 
I have disputed the following items directly with the bureau by certified mail and provided proof of my correct identity and current address, but they have not been properly updated. 
Specifically, I am requesting deletion of incorrect names, former addresses, and an outdated phone number, and correction of my current personal info to reflect only my verified, legal identity. 
I am requesting that the CFPB intervene to ensure that the bureau removes : Incorrect names : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect phone : ( XXXX ) XXXX Incorrect Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct personal information, which I am requesting be reflected on my credit file, is as follows : Full legal name : XXXXXXXX XXXX XXXXXXXX Current XXXX XXXX XXXX XXXX XXXX, GA XXXX Current Phone number : ( XXXX ) XXXX XXXX Employer XXXX XXXX XXXX Real Estate, XXXXXXXX XXXX XXXXXXXX Incorporated Additionally, I request the immediate removal of all personal statements and active fraud alerts from my credit file. These notations are outdated, no longer applicable, and are interfering with the accuracy and automation of my credit report. Please remove all such remarks and alerts immediately. 

This information is supported by the attached government-issued ID and proof of address. 
My correct personal information has been submitted to the bureau via certified mail and includes a government-issued ID and utility bill as proof.

I am requesting immediate correction under FCRA 607 ( b ) and 611 ( a ). These inaccuracies are damaging and must be removed promptly.

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 2025-06-28 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: 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 XXXX 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 disputed entries. 

Account name : 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
am filing this complaint regarding an unresolved dispute with PayPal involving unauthorized transactions totaling {$1000.00}. On XX/XX/year>, PayPal initially ruled the case in my favor and confirmed that the disputed transactions were unauthorized. However, without proper justification, the case was reopened and then reversed despite the fact that on XX/XX/year>, the system again reflected that I had won the dispute. 

Despite multiple contacts and escalations with PayPal customer service, I have not received my refund, nor have I received a clear explanation for why the dispute was reopened and reversed against their own buyer protection policies. This contradicts PayPals own handbook and standard consumer protection protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MO

Complaint narrative:
My spouse and I recently started our own business. We put a few ads out for our company, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX - we got a new customer needing a huge job done on his vehicle. He needed a lot done on his vehicle and he paid me through PayPal as I needed things, I sent him invoices through PayPal for every payment received. The total cost after al parts and the service hours the total was {$5200.00}. The payments were fine going in and I was able to transfer them to my main bank account just fine. He then sent the last 2 larger payments that were over XXXX on Sunday XX/XX/XXXX   and PayPal " Temporarily Blocked '' my account due to needing me to verify my identity. My driver 's license was expired by a week and I was waiting for my new one to come in the mail. I was terrified of losing my money to PayPal so without thinking clearly, and new to using PayPal, I thought I could just change the name on the account to my spouses name, since she is part owner, and she could submit her ID that wasn't expired. After doing this, they permanently blocked my account for obvious reasons. I called and spoke to a lady on Monday, XX/XX/XXXX that undid the block & submitted it for an appeal. I finally received my ID in the mail and submitted it on Thursday XX/XX/XXXX and the second after I submitted it I got an email saying I was permanently blocked .. again. I then called... Continuously. I did not get any answer as to WHY my account was blocked this time as I did everything they asked. No one would talk to me. I kept getting hung up on. After continuously calling day after day, I finally got to a lady that seemed very concerned and she had me send my ID directly to her so she could submit an appeal herself.. Well I guess I fell for that as well because she never submitted an appeal, I don't even know what she did with my ID after I sent it to her. I called back and received confirmation that there is nothing anyone there can do and that no one knew why my account was blocked. Every agent seemed completely appalled that my account was blocked. I have done countless hours of research on how to overturn this decision with no outcome. I have submitted a complaint to the XXXX XXXX XXXX and the governor of Missouri. And now, here I am submitting one to you al in hopes to help my case as well. I am a small business owner I do not have extra funds to use. Everything I have is in my PayPal account. All I am asking is if PayPal can release my funds so I can withdrawal them to my own account and use them to keep my business alive. I am PLEADING!! Please!

Company response to consumer: Closed with explanation