vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, JPMorgan Chase said that one of my accounts is past due. However, I confirmed with customer service that the account is current. 

Additionally I sent a check on XX/XX/XXXX from XXXX XXXX. XXXX XXXX notified me that the check has not been deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir/madam : On or about XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) under complaint number XXXX complaint. I stated in part, " On or about XX/XX/XXXX, I purchase a money order from the Wells Fargo Bank located at : XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX. The funds were taken from my checking account, but unfortunately, I had to return to the bank because the teller made an error when she typed the money order. The teller, accidently, charged me twice for a money order AFTER I returned the money order for her error. I returned to the bank and the teller ( XXXX XXXX XXXX spent approximately 45 minutes to an hour trying to correct the mistake, but unfortunately she was not able to do so. '' Shortly thereafter, Wells Fargo Bank ADMITTED to thier error and agreed to full reimbursement. " .Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau , case number : XXXX Dear XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. Your experience matters to us, and we have carefully reviewed the situation to address your concerns. Since we found error made by our employee or in our documents, we are reimbursing the {$5.00} money order fee to your account ending in XXXXThis credit will appear in your account within the next two billing statement cycles. 
Our goal is to provide the highest level of service, and were sorry for any inconvenience this situation may have caused. Were sorry for any inconvenience you may have experienced in connection with purchasing a money order on XX/XX/XXXX. 

Unfortunately, I STILL have not received my moneys erroneously paid to Wells Fargo Bank.

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 2025-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any 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 non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX, my federal student loan servicer, for unauthorized removal of loan accounts from my credit report, failure to notify me of these changes, and continued billing communications despite unclear loan status. These actions may constitute violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Privacy Act of 1974 and FERPA. 


Between XX/XX/XXXXXXXX  and XX/XX/XXXX, all but one of my XXXXserviced federal student loans were removed from my credit report with no explanation ( screenshots attached ). XXXX XXXX now displays the message : DEPTEDXXXX account removed from your file. Experian also confirms the removal of the same loans, yet neither platform issued a notificationindicating an unusual, likely manual reporting update by XXXX. The only remaining loan is a minor balance, which raises concerns of selective reporting or litigation-related data manipulation. 

I filed a dispute in XX/XX/XXXXXXXX   to remove these loans from my report due to personal information being accessed by non government employees without my consent. The dispute results returned with all accounts remaining on my report ( screenshots attached ) and now all but one loan was silently removed with no notification? 

Despite these current removals, XXXX continues to send communications indicating upcoming payment due dates, creating confusion and potential false representation of account status. 

I have not received any communication from XXXX regarding a transfer, forgiveness, discharge, forbearance, or deferment that would explain these changes. Their lack of transparency and conflicting communications appear to be deceptive and inconsistent with federal servicing and reporting obligations. 

Additionally, I have been informed that XXXX is currently involved in a class action lawsuit involving FCRA violations, which raises further concern that these removals may be connected to ongoing legal exposure or error remediation efforts. I have also filed a complaint with the Department of Education using their website, and they continue to repeat the response that they are committed to safeguarding my information along with links of resources that do not help my case. They have taken no action to help me with this.

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 2025-06-13 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: Nelnet, Inc.
State: SC

Complaint narrative:
I have had multiple problems with the Student Loan company known as Nelnet.

1. I have been making additional payments as principal only payments beyond the mandatory monthly amount. When I make these principal only payments they are charging interest on this payment as well. I have complained about this and when I contacted the company they told me it was perfectly legal to charge interest on principal only payments - it is not.

2. I pay promptly at the start of every month and have always paid my payments on time, however they recently lost my XXXX, XXXX  payment. I attempted to reach them through both phone and email and it was not until I had sent multiple emails that I received a reply asking me to provide proof of payment. I provided the necessary documents showing the amount in question had been deducted on time from my account for XXXX. Instead of investigating, reapplying the loan on the correct date, and then recalculating my loan to show I had maintained a timely payment schedule they instead sent me a check from the Department of Education. This check came without a note, information, nor did I receive any additional information about it. I was uncertain what the check was for as it came with a larger amount than my XXXX payment currently was. I deposited the check figuring if there was an issue I could simply pay the money back through transfer or check. I then attempted to contact Nelnet about the fact the XXXX payment had not been applied or recalculated. After many more emails I received a reply that the check I had received was my XXXX payment and that I should pay the amount left on the account. The company is refusing to apply it as my on time XXXX payment and to also recalculate my loan as the issue is I'm being treated as though I am in non-payment. I am now being charged more interest because of this supposed non-payment. I am being punished because they can not do their job applying on time payments. I want the payment to be applied to XXXX to show I have been in good standing as I have the entire time and for the subsequent payments to be recalculated so that more of the payment is applied to principal than to interest. 
3. The customer service has been terrible. I have tried to contact Nelnet multiple times and they have provided a number to a voice answering service that has no way of reaching a representative. I have had to send multiple emails and it has taken a very long time to receive a reply that is not automated and refers me to the voice service. They have provided no way to reach them and have made it difficult to get this issue sorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Payactiv, Inc.
State: VA

Complaint narrative:
I have made multiple good-faith efforts to resolve the issue of an over-deduction from my account by Payactiv. Below is a summary of the steps I have taken : 1. Initial Contact with Customer Support Upon noticing the over-deduction, I immediately contacted Payactivs customer service through [ phone/email/in-app chat ] on [ insert date ]. I provided all relevant details, including the date of the deduction, the amount deducted, and the discrepancy compared to the agreed-upon repayment amount.

2. Follow-Up Communication After receiving no resolution, I followed up on [ insert date ( s ) ] via [ phone/email ] to request a status update and reiterate my request for a refund. I was either not provided a satisfactory explanation or was told the matter was being reviewed with no clear timeline.

3. Submitted Documentation I submitted supporting documentation, including bank statements and transaction records, to verify the over-deduction and support my refund request.

4. Requested Escalation When my issue remained unresolved, I requested that my case be escalated to a supervisor or a member of Payactivs billing or legal team. I did not receive a meaningful response or a commitment to correct the error.

5. Final Notice Before Legal Action Due to the continued lack of action or resolution, I sent a formal demand letter dated [ insert date ], notifying Payactiv of the over-deduction and demanding a refund within 10 business days. I also informed them of my intent to pursue legal action if the matter is not resolved promptly.

Despite these repeated efforts to resolve the issue amicably, Payactiv has failed to return the over-deducted funds or offer a reasonable solution. Therefore, I am now preparing to seek legal remedies, including filing a claim in small claims court and pursuing damages for negligence and breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding a debt that has been repeatedly bought and resold by different collection agencies and is now being reported inaccurately on my credit report. The original delinquency date of the debt was XX/XX/XXXX, but the most recent collector ( Portfolio Recovery Associates ) has updated the reporting date to XX/XX/XXXX, making the account appear newer than it actually is. 

This practice appears to violate the Fair Credit Reporting Act ( FCRA ) by re-aging the account to extend the time it remains on my credit report. The debt has also been reported multiple times by different agencies, sometimes with conflicting balances, which creates duplicate derogatory entries and misleads future lenders. 

I have contacted the credit bureaus and the collection agency to dispute these entries and request validation, but the reporting has not yet been corrected. I am asking the CFPB/FTC to investigate this matter, as the current reporting is both inaccurate and harmful to my credit.

Please let me know if any further documentation is needed.

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Equifax makes it extremely difficult to navigate through their portals to file a dispute it's extremely discriminatory against seniors and people with disabilities making it difficult for us almost impossible this is why we have to go through the cfpb

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Equifax makes it extremely difficult to navigate through their portals to file a dispute it's extremely discriminatory against seniors and people with disabilities making it difficult for us almost impossible this is why we have to go through the cfpb

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 2025-06-13 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: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I contacted Paypal and opened a dispute with the 'resolution center ' and explained that my Paypal account has been hacked and my entire balance of {$2700.00} was transferred to a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. This debit card did not belong to me. In fact, the debit card was not even listed on my account. On XX/XX/XXXX, I received a response from the resolution center that the case was " closed '' because the " seller ' confirmed this transaction. On XX/XX/XXXX, I responded to the claim explaining it was not a " sale '', it was unauthorized transfer. On XX/XX/XXXX, the resolution center responded that the case was " closed '' because it was an authorized transfer. My Paypal account had yet another debit card attached that wasn't mine along with two additional emails and two addresses. In addition, my social security number had been changed. Out of fear, I promptly removed the unrecognized debit card, emails and addresses. However, again, the XXXX XXXX XXXX XXXX XXXX that was used in the transfer was no longer present. I attempted to change my social security number, but was instructed to call Paypal customer service. I did so on XX/XX/XXXXXXXX  at XXXXXXXX XXXX and spoke to XXXX. As of XX/XX/XXXX, it has yet to be changed. 
I called customer service, spoke to XXXX in the Fraud department. He said he clearly saw the unauthorized transaction and said it was made from a different ip address and different device on XXXXXXXX XXXX on XX/XX/XXXX. Our conversation is on a recording. I asked XXXX why the debit card to which it was transferred was not even listed on my Paypal account, he said the card was removed once the money was transferred. He said he will submit an appeal to Paypal and assured me that I will get my full amount back to my Paypal account in about 10 days. Again, all this is on a recording. 
Yesterday, XX/XX/XXXX, I received an email from Paypal stating that it was " determined that there was no unauthorized use and that it was " consistent with your PayPal payment history. '' This isn't fair. I have been a Paypal customer since XXXX. Nothing like this has ever happened before. If you need further information, please do not hesitate to ask me. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc.
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX  multiple times to formally revoke authorization for ACH and debit withdrawals from my bank account under the Electronic Fund Transfer Act ( EFTA ).

Despite sending six separate written messagesincluding emails on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has never provided a direct response. All I have received are automated emails that continue to reference upcoming charges, as if no revocation was ever submitted.

I explicitly stated that : ACH and debit authorization is revoked effective immediately.

My bank accounts and Plaid access have been unlinked.

Any attempted charge will be disputed as unauthorized.

In addition to contacting them directly, I also notified my bank to reject any charges from this company.

As of XX/XX/XXXX, XXXX continues to send reminders threatening to charge my account, despite the fact that they no longer have permission. They have made no effort to confirm the status of my account or acknowledge my notices.

Their lack of response and disregard for revocation notices is both negligent and potentially unlawful. They are violating my consumer rights under federal law, and I am seeking formal intervention to ensure that : No charges are made.

My account is closed.

My revocation is acknowledged in writing.

Ive also filed complaints with the XXXX  and plan to contact the New Jersey Attorney General if this continues.

Company response to consumer: Closed with explanation