vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: NJ

Complaint narrative:
I have barred myself on the self exclusion list of New Jersey, since my car was stolen a few years back and the ones responsible had opened gambling accounts in my name. Due to this I barred myself to prevent this and renew it every year. What happened on XXXX is some one got access to my account and since XX/XX/XXXX has spent over {$10000.00} on XXXX XXXX XXXX NJ. As I explained to XXXX this cant be me as I can not gamble under my own name. XXXX  is so useless I filed the complaint XXXX/XXXX/2025 and on XX/XX//2025 I woke up to denial emails for all XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XX/XX/scrub> 2025 2025

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 2025-03-30 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation 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 2025-03-30 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
Closure refunds car is a lemon they haven't reach out to me in 3/4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX Original Creditor XXXX XXXXXXXX {$2000.00} - XXXX Original Creditor XXXX XXXX XXXXXXXX {$310.00} - INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX Original Creditor XXXX XXXXXXXX {$2000.00} - XXXX Original Creditor XXXX XXXX XXXXXXXX {$310.00} - INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX//2025 my employer XXXX XXXX  ) reimbursed me for an expense I incurred due to required professional development assignments via ACH disbursement for {$250.00}. 

It was mistakenly sent by my employer to a checking account that I had previously frozen on my end many months ago and then, due to financial hardship, NFCU had also frozen the checking account on their end. 

NFCU rerouted this ACH deposit to a " spare '' checking account in my name WITHOUT first having the ACH deposit land in the account my employer sent it to. They did so without my knowledge and without informing me. 

In my interpretation, this violates XXXX federal guidelines and it should have been returned via code R16. I believe that NFCU took advantage of the situation in order to obtain the money for themselves by trying to create their own loophole around Federal guidelines for ACH transactions.

When I confronted them about this situation and asked for an explanation and corrective action, they refused, stating that they had the right to do so because their clause supersedes XXXX guidelines. Although it took a supervisor quite some time to search for, find, and send me any reason why they were allowed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Date : XX/XX/XXXX2025 Subject : Dispute of Inaccurate Account Balance Request for Removal Under 15 U.S.C. 1681 and Metro 2 Compliance Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the inaccurate reporting of my account balance on my credit report as provided by TransUnion, Experian, and Equifax. I have identified a discrepancy in the account balance across these bureaus that must be removed : Below are the inaccurate balances for Acct : XXXX XXXX XXXX Experian and Equifax report my balance as {$22000.00}.

TransUnion reports my balance as {$22000.00}.

Under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ), I am requesting that this error be corrected, as the reported information is inaccurate and does not meet the accuracy standard set by the law. Further, the Metro 2 guidelines, which are the industry standard for credit reporting, also require accurate and consistent information across all credit bureaus. Since the balance is reported differently, it violates these guidelines.

Given the nature of the discrepancy, I request that the inaccurate information be removed across all three credit bureaus to ensure compliance with the FCRA and Metro 2 standards. Please confirm the correction of this error and notify me of the resolution.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Date : XX/XX/XXXX2025 Subject : Dispute of Inaccurate Account Balance Request for Removal Under 15 U.S.C. 1681 and Metro 2 Compliance Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the inaccurate reporting of my account balance on my credit report as provided by TransUnion, Experian, and Equifax. I have identified a discrepancy in the account balance across these bureaus that must be removed : Below are the inaccurate balances for Acct : XXXX XXXX XXXX Experian and Equifax report my balance as {$22000.00}.

TransUnion reports my balance as {$22000.00}.

Under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ), I am requesting that this error be corrected, as the reported information is inaccurate and does not meet the accuracy standard set by the law. Further, the Metro 2 guidelines, which are the industry standard for credit reporting, also require accurate and consistent information across all credit bureaus. Since the balance is reported differently, it violates these guidelines.

Given the nature of the discrepancy, I request that the inaccurate information be removed across all three credit bureaus to ensure compliance with the FCRA and Metro 2 standards. Please confirm the correction of this error and notify me of the resolution.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX DOB : XX/XX/XXXX SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My USAA account XXXX failed to complete an accurate investigation of a dispute I made about XXXX debiting {$250.00} for event tickets and then XXXX never gave me the tickets. After initially giving me a temporary credit, USAA then on XXXX XXXX, 2024 reversed the temporary credit and sent me a letter saying they are reversing the temporary credit because their investigation showed there was no fraudulent transaction. That investigation I claim is incomplete because the transaction was fraudulent. I was promised tickets and I never got the tickets. 
XXXX promised to send me the tickets, I never got an email saying, 'here are your tickets ' or 'we sent you the tickets. ' I did not attend the event because I had no tickets. There are many XXXX complaints on reddit.com about not getting ticket refunds because people never got their tickets. Here is XXXX 's email to me : Hello XXXX, Thanks for your order! 

We notified the seller and you'll have your tickets by XXXX XX/XX/year>. 

We'll send another email as soon as they're ready. Why the wait? 
Order # XXXX Monday, XX/XX/year> | XXXX ( Event time subject to change ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Complex 1 Ticket ( s ) {$180.00} Section : 119 Row : C Seat ( s ) : - View your order Payment Info Subtotal {$180.00} Tax {$0.00} Total fees* {$76.00} Vat {$0.00} Discount - {$0.00} Order Total {$250.00} *Includes all applicable service, delivery and transactional fees

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$410.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
equifax had not fixed errors on my credit report its showing an account " XXXX  '' as open when it appears to be closed on transunion and experian. it shows a balance ad well this is reporting inaccurate information which is a violation accoridng to the Fair credit reporting act, anything reporting on a consumer report must be accurate. also my personal information including financial data has been compromised due to XXXX XXXX  I request my student loan debt be cancelled in full. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-03-30 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Inquiry : XXXX XXXX, 2024 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
ORMAL CONSUMER REPORT DISPUTE NOTICE OF DISPUTE UNDER FCRA XXXX XXXX XXXX XXXX XXXX, LA XXXX Date : XX/XX/XXXX, XXXXSocial Security Number : XXXXDate of Birth : XX/XX/XXXX TO : LexisNexis Consumer CenterAttn : Consumer Disclosure XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate Consumer Report Information To Whom It May Concern : I am writing to dispute several accounts and incorrect personal information appearing on my consumer report maintained by LexisNexis. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information.

DISPUTED ACCOUNTS I dispute the following accounts and request their immediate removal from my credit report : 1. Account Name : XXXX XXXXXXXXAccount Number : XXXX Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX 4. Account Name : XXXX XXXXAccount Number : XXXXDate Opened : XX/XX/XXXX 5. Account Name : XXXX XXXXAccount Number : XXXXDate Opened : XX/XX/XXXX GROUNDS FOR DISPUTE I firmly assert that the above-listed accounts are absolutely not valid for the following reasons : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide written validation notice within five days of initial contact. I have not received such notification from any of these companies.

2. I do not recognize these accounts as mine and categorically DO NOT validate these debts. This may be a case of identity theft as documented in the enclosed police report.

3. Multiple unauthorized addresses appearing on my consumer report further support potential fraudulent activity related to my identity.

INCORRECT PERSONAL INFORMATION I also dispute the following addresses that are incorrectly associated with my credit file : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 2. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 3. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 4. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 5. XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 6. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 7. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 8. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 9. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 10. XXXX XXXX XXXX, LA XXXX ( Address ID # XXXX ) 11. XXXX XXXX XXXX, XXXX XXXX, LA XXXX ( Address ID # XXXX ) 12. XXXX XXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) 13. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX ( Address ID # XXXX ) My current and correct address is : XXXX XXXX XXXX, XXXX, LA XXXX

Company response to consumer: Closed with explanation