vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I took out loans back in XXXX to attend the XXXX XXXX XXXX  XXXX based on certain promises and agreements towards my educational goals. During my attendance to XXXX XXXX XXXX, every time I went to go sign up for new classes I was told there were more fees on my account to be paid before I could sign up. It started small, but it became consistent. I went to the financial aid department and sat with someone there to have them explain where these fees were coming from since all of my stuff was paid for in advance with my student loans. No one could explain to me the reasoning for the extra fees, so I left XXXX XXXX XXXX. I tried transferring my credits to which I was told my credits wouldn't transfer or would only transfer as a partial credit ( XXXX ) of what they were worth. 
In about XXXX I applied for Borrowers Defense due to the predatory practices and misrepresentations the school made to me in taking out these loans. At the same time I found a massive lawsuit was filed again the XXXX XXXX XXXX XXXXXXXX for these same reasons. In XXXX of XXXX, I was granted my Borrowers Defense Claim with the Department of Education. I then provided this information to my loan servicer, AES, who then processed it to my now loan owner, XXXX. I made a good faith attempt, offering to pay the remaining balance of the original loan amount owed and they denied my offer. I then proceeded to provide them a second time ( as I originally provided the this information back in XXXX ) the information from the DoE showing that I had been awarded my Borrowers Defense Claim and they continue to deny any and all efforts made to close out this loan. I have since also returned to school and they are denying me reasonable accommodations to absolve this student loan. I also filed with AES a School Misconduct Discharge Application, and they have since denied that as well when I have provided all information I have available proving as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
In XX/XX/year>, I was scammed out of {$700.00} through PayPal via a Friends and Family transaction. My bank investigated and refunded the amount to me, ruling in my favor. However, in XX/XX/year>, PayPal claimed I had received a double refund and tried to debit {$700.00} from my account, even though my bank has no record of this. Since then, PayPal has given me conflicting information, blamed my bank, and made me spend hours on the phone with little resolution. They eventually closed my account without my consent or providing written confirmation. I requested a formal apology and a goodwill payment, which PayPal refused. The payment I made to clear the negative balance took weeks to process, and their communication has been slow, unprofessional, and often confusing. Despite filing complaints with the XXXX  and CFPB, the issue remains unresolved, and I am seeking a full refund and proper acknowledgment of the mishandling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am writing to dispute multiple accounts that are currently appearing on my credit report. I did not open, authorize, or have any involvement with these accounts. Their presence is both distressing and damaging to my creditworthiness. These entries appear to be the result of identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I filed for a reversal of my XXXX  loans that were on the XXXX  monitoring period in XX/XX/2025. It was approved. XXXX advised they could not reverse the loans because it was XXXX 's. I have waited six months and earlier this month I was told by MOHELA that the loans were not theirs, they belonged to XXXX under FSA. Today I received a letter stating that the loans belong to MOHELA. This is a crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Experian  and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian  and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-06-24 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:
15 USC 1681 c-2 l am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items block and remove all items mentioned on FTC & PDF I want them deleted immediately!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On or around XXXX of XXXX, I, XXXX XXXX, submitted a borrower defense application with the US Department of Education. In the application, I clearly stated that the academic program that I XXXX from with my XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  was later rescinded and, though a degree was awarded, the ability to apply it toward a professional program leading to either a XXXX XXXX or a XXXXl pathway to gainful steady employment were amiss. The financial burdens that were placed on me in the aftermath of receiving my academic degree were misleading to its original applications and methodologies. I therefore suffered economic hardship and disciplinary action that still has negative implications at present. After submitting the borrower defense application, I received a letter from the Department of Education detailing their intent to discharge the forbearance of the loan. It was not until the expected first payment due on or around XXXX of XXXX, when I attempted multiple times to reach an agent and was unsuccessful, and later discovered the application was not processed. Being dismissed from my permanent job with the State of California during the COVID 19 pandemic placed additional hardship on me and have subsequently been unable to repay the loan. Recently, I received notice that there was difficulty processing the payment and believe this to be unjustifiable considering the former actions taken in my defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against I C SYSTEM regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with I C SYSTEM buttonoavail.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a credit card at JPMC, they showed a popup that I am not eligible for sign up bonus and if I would like to continue, I said No and still they approved the card. 

I want them to investigate why their system failed to respond what it was todl to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within XXXX  days.

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 2025-06-24 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-24 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-24 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: CA

Complaint narrative:
There are several inquiries on my credit report that I am unaware of.

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 2025-06-24 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: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Inaccurate Personal Information and Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute multiple inaccurate and unauthorized items currently appearing on my Experian credit report. I request an immediate investigation and correction under my rights pursuant to the Fair Credit Reporting Act ( FCRA ).

1. Inaccurate Personal Information My Experian credit report lists several variations of my name and multiple addresses that are either inaccurate, outdated, or do not belong to me. I am requesting that Experian remove all incorrect personal information and retain only the following : Correct Full Name : XXXX XXXX XXXX ( Please remove any others ) I have 1 name Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any others I have 1 address Please remove all other name variations and outdated or unrecognized addresses from my file, as they may be contributing to reporting errors or identity confusion.

2. Unauthorized Hard Inquiries Additionally, my credit report shows five hard inquiries that I did not initiate, authorize, or have any knowledge of. These inquiries are causing unjust harm to my credit and may be indicative of identity theft or unauthorized access to my credit file. I request the immediate removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per the FCRA, you are required to ensure that only accurate, complete, and verifiable information is included in my credit file. If you can not verify these inquiries with proof of my written consent, they must be removed immediately. 



Enclosed are : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of address Please complete this investigation within 30 days and provide written confirmation of the results. If this inaccurate and unauthorized information is not corrected or deleted, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies for further action. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am contacting you to formally dispute a hard inquiry that appears on my credit report, which I did not authorize or initiate. I have carefully reviewed my credit history and can confirm that I have not submitted any credit applications during the timeframe in question that would justify this inquiry.

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 2025-06-24 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information still being reported on my credit report. The creditor associated with the account in question sent me written confirmation stating they would remove the account from all credit bureaus. However, as of today, this account is still being reported, which is in violation of the agreement and constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 

The continued presence of this account is causing undue harm to my credit profile despite clear documentation from the creditor that it should be deleted. I am requesting that this item be immediately removed from my credit report in accordance with the creditor 's instructions. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Type : Cable/Celluar Reference Number : XXXX Dispute Reason : Creditor confirmed in writing that this account would be removed, yet it still appears I have retained a copy of the creditor 's letter for my records and am happy to provide it upon request. 

Please conduct an investigation and remove this account from my report immediately. I request written confirmation once this action has been completed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am disputing an inaccurate late payment reported by XXXX XXXX to Equifax XXXX XXXX XXXX on my Installment sales contract, account XXXX for the date XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief