vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account was permanently limited around XXXXXXXX XXXX and the funds inside were meant for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rely on XXXX that I have now gone over 12 days without due to this limitation. My online friends sent me {$83.00} to help me afford these meds, but PayPal is holding the funds for 120 days. 

I have no other source of financial support. 

The money in my account was specifically for life sustaining XXXX XXXX 

I informed PayPal about the urgency and medical nature of my situation. 

Despite explaining this, PayPal has refused to release any portion of the funds or offer an alternative. 

I am willing to provide medical documentation to verify my condition. 


This is a medical and humanitarian emergency, and I am requesting assistance to have PayPal review my case and allow an early release of the funds needed for treatment. This delay puts my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
This letter serves as my formal notice of dispute pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ), as well as applicable provisions of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), regarding multiple inaccurate, incomplete, and legally non-compliant entries on my TransUnion credit report. Under federal law, you are required to conduct a full and thorough reinvestigation of the information disputed herein and delete or correct all data that can not be verified with legally admissible, documented evidence. Any failure to do so within 30 days of receipt of this notice will constitute willful noncompliance under 1681n, opening the door to civil liability.

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 2025-04-12 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: TX

Complaint narrative:
Dear Department of EducationXXXX I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data. 

Privacy Act of 1974 : Prohibit the unauthorized sharing of person information held by federal agencies. 
Breach of Contract : The unauthorized sharing of student loan borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 
appreciate your prompt attention to this matter and look forward to you response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Nelnet, Inc.
State: TX

Complaint narrative:
Dear Department of Education/XXXX I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibit the unauthorized sharing of person information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loan borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 
appreciate your prompt attention to this matter and look forward to you response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: OR

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2025-04-12 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: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2025-04-12 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: AZ

Complaint narrative:
On all 3 agencies it's showing late payments but those can not be found hard for me to dispute a non existent late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: AZ

Complaint narrative:
On all 3 agencies it's showing late payments but those can not be found hard for me to dispute a non existent late payment

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 2025-04-12 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: FL

Complaint narrative:
I am writing to dispute and formally challenge the reporting of the following derogatory accounts that appear on my credit report with your bureau. I have never done any business or receive any services from these companies. I have not opened any accounts with them : XXXX XXXX Opened : XX/XX/XXXX Amount : {$250.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$460.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$2800.00} These entries are not only damaging, but they appear to violate multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am asserting my rights under : 15 U.S. Code 1681i Reinvestigation of disputed information You are required to investigate any disputed information within 30 days. If the furnisher of information can not verify the data, you must remove it.

15 U.S. Code 1681e ( b ) Maximum possible accuracy Some of the above accounts appear only on one credit bureau and not on others. This inconsistent reporting damages my credit standing and violates the accuracy provision. 

15 U.S. Code 1681c ( b ) Medical debt exclusion As of XX/XX/XXXX, medical collections are prohibited from being reported. XXXX XXXX and XXXX XXXX XXXX are both commonly known to report medical debt. These must be removed immediately. 

15 U.S. Code 1681s-2 ( b ) Responsibilities of furnishers Furnishers of information are required to conduct a reasonable investigation and correct or delete any inaccurate, outdated, or unverifiable information.

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 2025-04-12 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:
I am writing to dispute and formally challenge the reporting of the following derogatory accounts that appear on my credit report with your bureau. I have never done any business or receive any services from these companies. I have not opened any accounts with them : XXXX XXXX Opened : XX/XX/XXXX Amount : {$250.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$460.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$2800.00} These entries are not only damaging, but they appear to violate multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am asserting my rights under : 15 U.S. Code 1681i Reinvestigation of disputed information You are required to investigate any disputed information within 30 days. If the furnisher of information can not verify the data, you must remove it.

15 U.S. Code 1681e ( b ) Maximum possible accuracy Some of the above accounts appear only on one credit bureau and not on others. This inconsistent reporting damages my credit standing and violates the accuracy provision. 

15 U.S. Code 1681c ( b ) Medical debt exclusion As of XX/XX/XXXX, medical collections are prohibited from being reported. XXXX XXXX and XXXX XXXX XXXX are both commonly known to report medical debt. These must be removed immediately. 

15 U.S. Code 1681s-2 ( b ) Responsibilities of furnishers Furnishers of information are required to conduct a reasonable investigation and correct or delete any inaccurate, outdated, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did not authorize this company to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: CO

Complaint narrative:
Equifax is reporting bad debt that is more than XXXX XXXX XXXX. I have disputed this reporting and have not received any documentation of their investigation or any evidence to support the reporting. The are wrongfully reporting XXXX different items where the bad debt is in excess of 7 years. The accounts are : XXXX XXXX credit card Account number : XXXX XXXX Balance : {$9400.00} Date of last payment : XX/XX/year> First date of delinquency : XX/XX/year> I disputed this with them over 90 days ago and received no response XXXX XXXX XXXX Account number : XXXX XXXX Balance : {$1600.00} Original creditor : XXXX XXXX  Date of last payment : XX/XX/year> Date of first delinquency : XX/XX/year> They are a debt collector/buyer and are being inaccurately reported on my credit report as the original debt is over 7 years since first delinquent. I have disputed this over 90 days ago and have received no resolution or response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
To Transunion Consumer Relations, I am writing to formally dispute several inaccurate and unauthorized items appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq., specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and unauthorized inquiries from my credit file. 
In or around XX/XX/year>, while applying for a mortgage to purchase my first home, I became aware of multiple fraudulent accounts and unauthorized credit inquiries reported across all three major credit bureaus under my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts were not opened by me and represent clear cases of identity theft : Fraudulent Accounts : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Applicable Law : Under 15 U.S. Code 1681c-2 ( Section 605B ) , you are required to block and remove any information resulting from identity theft within 4 business days of receiving appropriate proof. 
Enclosed you will find : A copy of my government-issued ID A copy of a recent utility bill showing my current address A signed FTC Identity Theft Affidavit A police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Trans union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2025-04-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$890.00} XXXX XXXX  # XXXX XXXX/XXXX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$190.00} XXXX  # XXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1400.00}

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 2025-04-12 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: CA

Complaint narrative:
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 XXXX, 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 am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXXXXXX XXXX XXXXXXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
XXXX XXXX  ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. - XXXX XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. 
- XXXX XXXX XXXX, ACCOUNT # XXXX OPENED ON XX/XX/XXXX. INQUIRIES : - XXXX XXXXXXXX XXXX  XX/XX/XXXX. 
- XXXX XXXX XX/XX/XXXX. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern After recently pulling a copy of my credit report, was shocked by what I discovered I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

CAPITAL ONE Account number : XXXX Dates of late payments : XX/XX/year>, XX/XX/year>, and XX/XX/year> I say this because, this states that my consumer report should not include any transactions or experiences between me the consumer and any person making a report. Furthermore, never gave any consent for these alleged transactions. 
These are clear violations of a number of my consumer rights under 15 USC 1681a & 15 USC 1681a1 Please delete these late payments from my consumer report and update this account as soon as possible.

I am filing this complaint to dispute an inaccurately reported late payment on my auto loan/credit card account with CAPITAL ONE , in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

According to my credit report, CAPITAL ONE, reported a late payment for the billing period ending on or around. 
I made the payments on time. 
Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to report information accurately.

Company response to consumer: Closed with explanation