vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my disappointment and frustration with the inaccurate information included in my credit report. It is my right, as mandated by the Fair Credit Reporting Act, to dispute any such information, and I take this matter very seriously. 

While I understand that mistakes can happen, I am extremely disappointed that the allegations of delinquency and derogatory status against me are false. I will not sit idly by and let these claims go unchallenged. Therefore, I request that you provide evidence that supports the negative status of my accounts, as well as proof of a permissible purpose for the inquiry or account within my report. 

I must stress that this is a serious matter, and it is imperative that you do your job properly to ensure the accuracy of my credit report. If this issue is not resolved immediately, there could be potentially serious consequences. Therefore, I am giving you a 30-day deadline from the date of delivery to rectify this situation. I hope that everything can be resolved promptly and accurately, without the need for any further intervention or escalation. 

Listed below are the accounts that are being challenged : XXXX - XXXX Dear Sir, Madam, or to whom it may concern, I am writing to express my disappointment and frustration with the inaccurate information included in my credit report. It is my right, as mandated by the Fair Credit Reporting Act, to dispute any such information, and I take this matter very seriously. 

While I understand that mistakes can happen, I am extremely disappointed that the allegations of delinquency and derogatory status against me are false. I will not sit idly by and let these claims go unchallenged. Therefore, I request that you provide evidence that supports the negative status of my accounts, as well as proof of a permissible purpose for the inquiry or account within my report. 

I must stress that this is a serious matter, and it is imperative that you do your job properly to ensure the accuracy of my credit report. If this issue is not resolved immediately, there could be potentially serious consequences. Therefore, I am giving you a 30-day deadline from the date of delivery to rectify this situation. I hope that everything can be resolved promptly and accurately, without the need for any further intervention or escalation. 

Listed below are the accounts that are being challenged : 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: IN

Complaint narrative:
I reached out on XX/XX/XXXX as I noticed most of my funds depleted by NDR fees, and I had spoken with a creditor that was attempting to settle my account but was unable to reach National Debt Relief to discuss terms. I was told they were unable to settle my accounts until I had more money in my account but that they would go ahead and reach out to the creditors regarding the offer. We did discuss NDRs fees and one was due to using their account. I inquired about what would be needed but told them not to cancel my upcoming payment because I wouldn't have time to look into setting up an account of my own. I was told I'd have a response by Friday, XX/XX/XXXX. I did not receive a response and my XX/XX/XXXX payment was canceled. On XX/XX/XXXX, I attempted to talk to NDR again and I was ignored and booted from the chat at XXXX XXXX XXXX. I still haven't received an actual explanation as to why it was canceled further jeopardizing my accounts. I was told the payment I selected upon sign up was sufficient and I could always add more and now I'm being told it isn't sufficient to settle all debts and those larger balances will continue to grow until I have more money set aside. They pushed hard for me to take a debt consolidation loan through their program instead of settling with these higher debts and now I have no option but to stay with the program as they have allowed the balance to get completely out of control with new interest. From XX/XX/XXXX forward, I was adamant that I be contacted via email because I don't retain information well in verbal communication and they had already lied to me on multiple occasions. After all the fees, it leaves very little to use for debts and balances settled are much higher than they were upon sign up so the savings aren't actually there. They gave me an unrealisitc graduation date and mentioned the only way to graduate on time or sooner is to take the loan. XXXX XXXX and XXXX XXXX were the supervisors that spoke with me and identified themselves. XXXX is the one that I spoke with on the phone on XX/XX/XXXX, and it is my understanding, canceled the payment depsite my clear communication not to cancel it as I didn't want to get further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NEXBANK CAPITAL, INC.
State: FL

Complaint narrative:
Complaint against Nexbank and employees On XX/XX/XXXX I inquired about instructions to close account rep XXXX was extremely rude and she did not want to provide full info I asked for a manager and I was told I would get a call back that never happened.

She advised I can add external account once my cd matures. 
I called on XX/XX/XXXX to add external account and rep XXXX who was completely rude she would put me on hold without asking for permission or acknowledge Is this how your employees treat customers? She said I need to send a letter asking to close my account THIS BANK HAS NOT INTEGRITY AND THEIR LADY REPS ARE ALWAYS IN BAD MOOD LIKE THEY DONT EVEN WANT TO ASSIST.

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 2025-06-10 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-10 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: LA

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 XXXX  has violated my rights. 

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.

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 2025-06-10 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I had taken out a loan by Sallie Mae back in XXXX I ended up not completing the school due to a lack of communication from the advisor who failed to inform me the ramifications of taken the test or dropping the class. I took the test and failed the program. I could have dropped the class and retaken it to finish the program but my advisor did not advise me of what would happen. So after this event, I started repayment and consolidated my loans into 1 loan and began making interest only payments for several years. Durning the consolidation process, I removed my co-signer from the loan. Sallie Mae sold to XXXX who began service the loan. For some unknown reason, and one I have asked them to look into but they can not provide information as to what happened and why they did it, but Somewhere during that period, instead of creating one loan, they created 2. They also continued to send bills to my co-signer that he actually paid some of the bill even though I got them released. My co-signer paid some on 1 of the loans without my knowledge before I found out and instructed him to stop. During that period I made interest only payments that XXXX, for some reason, applied to both loans and capitalized interest on both loans while I was in that program of interest only payments. I reached out to them for an explanation and they could not provide an answer as to why they didnt consolidate all the loans into one and they can not provide documents to show the correct amount I owe. They send bills that say what they apparently say I owe, but they charged me a payment for interest only payments on two loans instead of the one that I signed paperwork on and that I agreed to and when I made a payment, instead of paying on 1 loan, I was paying additional money that ever should have been charged to me. So I had been overpaying for years and they cant provide me any documents on where the money I paid over the years actually went to the correct loans. I feel they have cheated me for years and someone needs to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, Subject : Notice of Dispute Account # XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute the accuracy of the XXXX XXXX account listed under account number XXXX on my credit report. The information being reported appears to be inconsistent and does not match my records. 

Please investigate this account and provide a detailed response. If you find the account to be accurate, I request that you verify it with supporting documentation from the data furnisher. 

I expect a response within 30 days. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Report filed with PayPal : To Whom It May Concern, I am writing to inform you of fraudulent activity and identity theft that has occurred on my PayPal account. Over the past week, unauthorized withdrawals totaling {$4000.00} were made from my XXXX account, and an additional {$2000.00} was withdrawn from my XXXX bank account using the debit card on file with PayPal. 

I have already submitted multiple dispute claims to PayPal regarding these transactions ( XXXX XXXX XXXX ) ; however, each claim has been denied with the reasoning that the activity was consistent with my normal usage. This assessment is inaccurate. I have never initiated a withdrawal from my XXXX account, nor am I familiar with the process. While I do make a recurring monthly XXXX purchase of {$100.00}, the aforementioned transactions are clearly outside of my regular activity. 

In response to this incident, I have filed reports with the Federal Trade Commission ( FTC ) identity theft team, the XXXX XXXX XXXX XXXX ( XXXX ), and the XXXX Police Department. While I understand that PayPal XXXX handle numerous such cases, I must emphasize that my account has been compromised, resulting in a financial loss exceeding {$6000.00}. 

I have since taken precautionary measures by changing my password and enabling two-factor authentication across all of my financial platforms in an effort to prevent further fraudulent activity. I urge PayPal to conduct a more thorough review of these transactions, as they do not align with my established monthly activity, and I am indeed a victim of fraud and identity theft. 

Therefore, I respectfully request a refund of the {$4000.00} that was fraudulently withdrawn from my XXXX account. I assure you that these reports to law enforcement and government agencies would not have been made if this were not a genuine case of criminal activity against me. 

Thank you for your time and attention to this critical matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KY

Complaint narrative:
My paycheck is pending and I normally get paid 2 days before everyone I checked with my employer and they have entered everything right as they have since XX/XX/year> but cash app says that it is not even being processed, but I can see it pending on my app and theyre not helping me get it deposit and I need my money. I have bills that is due today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Last year in XX/XX/XXXX, I traded a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX XXXX After a month I noticed my credit score was going down quickly although I make payments monthly for the credit. Then I discovered it was the car that I have traded is the problem because the person who bought isn't making the monthly payments and that affected my XXXXredit score badly. Now, my credit score is poor after it was XXXX! The lender for the car is West Financial Lake. They called me a lot and I explained to them a lot but they never stopped calling me for the late payments.

Company response to consumer: Closed with explanation