vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm trying to access my credit report on the Equifax website : https : //my.equifax.com/ And I'm getting an error : Please give us a call We can't complete your request at this time. Please call the Customer Care team : XXXXEQUIFAX XXXX XXXX XXXX The Customer Care team is available between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called them today, and like all the time, nobody was helping me because they are not located in the US, their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: WA

Complaint narrative:
I have always made my student loan payments on time every month for the last XXXX years and was enrolled in auto-debit through MOHELA. MOHELA recently transitioned to a new website, and I was never notified of the change. I was unable to access my account because of their website transition i was uninformed about, and my payments did not process for XXXX months as a result. I discovered the issue only after seeing my credit report had been negatively affected. 

This transition and lack of communication directly caused my late payments, which I would have otherwise made on time. I am currently caught up on all payments and setup on a new auto payment with them but I am requesting MOHELA remove these negative marks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
This letter serves as my final written attempt to resolve an unresolved dispute before proceeding with legal remedies and public exposure. 

On XX/XX/XXXX, I purchased a product totaling {$180.00} from the seller XXXX XXXX XXXX via PayPal. The item received was materially defective and unusable. I made repeated, documented efforts to resolve the issue with the seller, which were either ignored or dismissed. 

Despite submitting multiple disputes through both PayPal and my financial institution, XXXX XXXX XXXX XXXX all were denied, despite clear and compelling evidence. I escalated the matter to the FDIC and the Consumer Financial Protection Bureau, both of which acknowledged the matter but deferred to PayPals buyer protection policies, which likewise failed to provide relief. 

I hereby reaffirm the following facts : The transaction involved a non-functioning and materially defective product. 
I have retained photographs, documentation, receipts, and timestamps of all communication attempts and transaction details. 
I am a Nebraska resident, a parent of XXXX, and currently unemployed, making this financial loss significant. 
I have received statements from additional consumers who experienced similar unresolved issues with this seller and am prepared to provide that supporting evidence in court. 

Under Nebraska small claims law, I am eligible to file a claim for up to {$3900.00}, and I intend to pursue reimbursement of the following : The original amount of {$180.00} Statutory interest accrued since XX/XX/XXXX Court costs, documentation fees, and any applicable filing fees Potential damages related to emotional distress and bad faith handling ( where permitted under local statutes ) Unless this matter is resolved by XX/XX/XXXX, I will proceed with the following actions : 1. File a small claims lawsuit in XXXX XXXX, Nebraska naming PayPal, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  as responsible parties. 
2. Submit a formal report to the Nebraska Attorney General and XXXX XXXX XXXX 
3. Share my experience publicly across social media, local business groups, and consumer forums to warn others and highlight this systemic failure. 

This is not just a personal financial issueits a matter of consumer trust, good faith practices, and accountability. PayPal promotes itself as a buyer-safe platform ; I now ask that you stand behind that promise and issue a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: UT

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I am filing a complaint under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX and XXXX. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' XXXX XXXX. XXXX If you dispute an account, the credit reporting agency must investigate within XXXX  days and correct or delete inaccurate info. 
XXXX XXXX. XXXX ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 filing a complaint under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX and XXXX. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' XXXX XXXX. XXXX If you dispute an account, the credit reporting agency must investigate within XXXX  days and correct or delete inaccurate info. 
XXXX XXXX. XXXX ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-05-01 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
All three credit bureausTransUnion, XXXX XXXX XXXX  reporting a closed auto loan account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a past-due status and balance of {$0.00}. It is illogical and misleading for a closed account that has no remaining balance or delinquency to continue being coded as delinquent. This type of reporting distorts the true financial history of the account and misrepresents my payment behavior to current and potential creditors. The account is paid off and closed, so it should no longer be reflected with derogatory notations. Under 15 USC 1666b, creditors are required to apply payments in a fair and timely manner, and 15 USC 1681e ( b ) obligates credit reporting agencies to report that data accurately. The continued presence of a past-due status despite a {$0.00} balance clearly violates those legal requirements.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-01 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: LEXISNEXIS
State: OH

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.

15 U.S.C 1681 section 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On XX/XX/year>, I was notified by a representative from Navy Federal Credit Union that fraudulent activity had occurred on my account linked to a debit card ending in XXXX. Despite this, my fraud claim totaling approximately {$7200.00} was later denied, with the explanation stating that there was no billing error. I do not believe this explanation is valid, and I am concerned that the investigation was not handled thoroughly. 

I requested a written explanation and submitted a reconsideration of the claim, but I have not received any response from Navy Federal to date.

I believe Navy Federal failed to conduct a fair and proper investigation into the unauthorized transactions. This lack of follow-through violates my consumer rights under the Electronic Funds Transfer Act ( EFTA ) and XXXX XXXX I am requesting that the claim be reopened, fully investigated, and that I be issued a refund for the unauthorized transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I purchased a computer through Apple, financed via the Apple Card issued by Goldman Sachs. I returned the computer to Apple on XX/XX/XXXX following their stated return procedures. Despite the return being completed and received by Apple, the refund was never processed back to my Apple Card. 

It has now been several months, and the disputed amount remains on my Apple Card balance. Ive contacted both Apple and Goldman Sachs multiple times, providing documentation of the return and tracking confirmation. Nonetheless, Goldman Sachs has continued to keep the balance open and is now threatening to report this unresolved charge to the credit bureaus.

This has caused undue stress and may unfairly damage my credit. I am requesting that the CFPB investigate this billing dispute and ensure that my rights under the Fair Credit Billing Act and Fair Credit Reporting Act are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for yourassistance.

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