vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. I wrote a letter to the CEO of the company asking the origin of the funds for Auto Loan number XXXX on a XXXX XXXX XXXXXXXX, that they supposedly " lent '' to me. Not only did I NOT receive a reply, they stopped sending me payment coupons in the mail. I recently checked and found that the company had written this loan without sending me a 1099-C so that I could file with the IRS. I believe they filed it themselves and took the tax credit and are still attempting to use leverage to collect the debt, which is consumer statutory 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. I wrote a letter to the CEO of the company asking the origin of the funds for Auto Loan number XXXX on a XXXX XXXX XXXX, that they supposedly " lent '' to me. Not only did I NOT receive a reply, they stopped sending me payment coupons in the mail. I recently checked and found that the company had written this loan without sending me a 1099-C so that I could file with the IRS. I believe they filed it themselves and took the tax credit and are still attempting to use leverage to collect the debt, which is consumer statutory 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. I wrote a letter to the CEO of the company asking the origin of the funds for Auto Loan number XXXX on a XXXX XXXX XXXXXXXX, that they supposedly " lent '' to me. Not only did I NOT receive a reply, they stopped sending me payment coupons in the mail. I recently checked and found that the company had written this loan without sending me a 1099-C so that I could file with the IRS. I believe they filed it themselves and took the tax credit and are still attempting to use leverage to collect the debt, which is consumer statutory fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-23 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I believe someone took out an title loan of XXXX in my name. Funded by LNLV its on my credit report. Someoone used the funds and they are trying to collect from me. I never opened an acct under that alias nor borrowed XXXX from anyone EVER. Its damaged my credit scpre significantly. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Inaccurate reporting and failure to mark an account as disputed under the Fair Credit Reporting Act ( FCRA ). 
In XX/XX/XXXX, I disputed a credit card debt with JPMCB ( Chase ) directly. I subsequently sent a formal dispute toXX/XX/XXXXon XX/XX/XXXX, asking for a reinvestigation and for the account to be flagged as disputed as required under FCRA 623 ( a ) ( XXXX ). On XX/XX/XXXX, I received an updated credit report from Experian showing that the account in question ( JPMCB CARD, last four digits XXXX ) remains listed with a balance of {$6200.00} charged off, but no notation indicating it is in dispute. 
XX/XX/XXXX recently confirmed via email that the account was updated, but my credit report still does not reflect any dispute notation, despite multiple written disputes sent directly to both the furnisher and the credit reporting agency. This is a violation of the FCRA, which requires the account to be marked as disputed during and after an investigation if the consumer has raised a valid dispute. 
I also received a collection letter from a law firm representing this debt on XX/XX/XXXX. I sent a dispute/validation letter in XX/XX/XXXX. Despite this, the firm filed suit on XX/XX/XXXX, without proper service. The case was later dismissed. The law firm eventually responded with alleged verification in XXXXXX/XX/XXXXong after the lawsuit was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax continues to report a bankruptcy record ( XXXX XXXX. XXXX ) that is not only inaccurate, but also unverifiable and inconsistent with how the same case is reported by other credit bureaus. 

After disputing the record, Equifax did not provide proof of verification. I have in my possession a letter from the U.S. Bankruptcy Court, dated XXXX XXXX, 2025, clearly stating that the court does not verify, transmit, or authorize data to any credit reporting agencies. Therefore, any claim that this bankruptcy was verified is false. 

There are also material inconsistencies in how this record appears across XXXX XXXX, and Equifax. These include differences in dates, court names, and case identifiers. This violates the requirement of accuracy and consistency under FCRA 1681e ( b ).

Equifax has not provided a method of verification or original source of the information, violating 1681i ( a ) ( 7 ) and 609 ( a ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
Complaint Title : Fraudulent Chargebacks and Negligent Handling by PayPal and Banks Complaint ( in English ) I am part of a group of nearly XXXX individuals affected by a financial dispute involving PayPal, several banks, and a company called XXXX XXXX. Individuals knowingly sent payments to this company to purchase cryptocurrency or participate in a financial opportunity. There is evidence of full awareness and consent by the buyers, including XXXX XXXX  and other communication records. 

However, when the company shut down unexpectedly, many individuals filed chargebacks and disputes through PayPal and banks, falsely claiming that the transactions were unauthorized or that goods/services were never received. Despite the existing proof of consent, PayPal and the banks have proceeded to withdraw funds and charge the remaining parties, showing negligence and lack of proper investigation.

This situation has resulted in significant financial damage, with some of us being unfairly held responsible for chargebacks and losses due to actions of others who knowingly misrepresented their claims. We are requesting a formal investigation by the CFPB into : 1. The handling of disputes and chargebacks by PayPal and banks.

2. The lack of transparency and response from PayPal despite multiple requests for assistance.

3. The legitimacy of disputes filed by individuals who had full knowledge of their transactions.

We are compiling all evidence, including names, emails, dates, amounts, and transaction links to support our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am completely locked out of my student loan account with MOHELA and unable to access it despite multiple attempts to recover my username and reset my password. The system continuously rejects my correct personal information. I have made several calls to their helpline, but I am only met with automated messages and no option to speak with a representative. I can not log in, view my account, or make payments. This has caused serious stress and is putting me at risk of missed payments or delinquency. I believe MOHELA is violating my consumer rights by making it impossible to access or manage my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, Bank of America deactivated my debit card without any prior notice after someone who found my lost wallet called and reported the card lost. I was never contacted, nor did I authorize this action. I only discovered what happened when I attempted to make a purchase at XXXX around XXXX PM using Apple Wallet, since I didnt have my physical card. My transaction declined, not because of suspicious activity, but because Bank of America had already deactivated my card earlier that day at around XXXX AM. While still at XXXX, I called Bank of America. The first agent I spoke to told me the card had been reported lost by someone else, which is how I found out what actually happened. Shortly after, my co-account holder ( my mother ) called and was told a completely different story : that the card had been shut off due to suspicious activity at XXXX. That was a lie. I was the XXXX at XXXX, and the card only declined because Bank of America had already shut it off without telling me. I called again and was connected with an agent ( badge ID : XXXX ) who first claimed the deactivation was done internally by a Bank of America employee, then backtracked and transferred me to a supervisor ( badge ID : XXXX ). The supervisor ultimately admitted that a third party had called in at XXXX AM and reported the card lost, which led to Bank of America deactivating it without verifying the caller 's identity and without informing me. The supervisor also admitted they have the callers information but refused to assist me in any way with recovering my lost wallet, citing vague legal reasons. To make matters worse, when I mentioned filing a complaint with the CFPB, the supervisor responded, XXXX CFPB? This shows a disturbing lack of awareness about the very agency that regulates their behavior. This entire experience involved misinformation, negligence, and a complete lack of accountability from Bank of America. I lost access to my account without my knowledge or consent, was lied to by their staff, and was denied any help in recovering my property despite the bank admitting they had the callers contact 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 2025-04-23 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: TX

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2025-04-23 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-23 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-23 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: LA

Complaint narrative:
b'I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws.\n\nI have formally disputed this alleged debt and requested that the company:\n        Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation;\n        Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law;\n        Provide an itemized accounting of the debt;\n        Disclose any insurance claims, charge-offs, or 1099-C forms related to the account;\n        Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off.\n\nDespite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of:\n        Fair Credit Reporting Act (FCRA)  15 U.S.C.  1681i and  1681s-2\n        Fair Debt Collection Practices Act (FDCPA)  15 U.S.C.  1692g\n        Truth in Lending Act (TILA)  15 U.S.C.  1601\n        Internal Revenue Code and 26 CFR  1.6050P-1\n        Louisiana Civil Code, Articles 19271983\n        Privacy Act of 1974  5 U.S.C.  552a\n\nPrivacy Act Violation and Opt-Out Notification\n\nAdditionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail #XXXX XXXX XXXX XXXX XXXX XXXX  to the company, on XXXX XXXX XXXX and a Follow up letter on XXXX XXXX XXXX  expressly stating the following:\n        I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators;\n        I hereby demand that the company cease and desist from reporting or distributing any and all of my personal, financial, or credit-related information, effective immediately and indefinitely;\n        I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data.\n\nDespite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.'

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 2025-04-23 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: LA

Complaint narrative:
b'I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws.\n\nI have formally disputed this alleged debt and requested that the company:\n        Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation;\n        Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law;\n        Provide an itemized accounting of the debt;\n        Disclose any insurance claims, charge-offs, or 1099-C forms related to the account;\n        Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off.\n\nDespite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of:\n        Fair Credit Reporting Act (FCRA)  15 U.S.C.  1681i and  1681s-2\n        Fair Debt Collection Practices Act (FDCPA)  15 U.S.C.  1692g\n        Truth in Lending Act (TILA)  15 U.S.C.  1601\n        Internal Revenue Code and 26 CFR  1.6050P-1\n        Louisiana Civil Code, Articles 19271983\n        Privacy Act of 1974  5 U.S.C.  552a\n\nPrivacy Act Violation and Opt-Out Notification\n\nAdditionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail #XX/XX/XXXX to the company, onXX/XX/XXXX and a Follow up letter onXX/XX/XXXX expressly stating the following:\n        I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators;\n        I hereby demand that the company cease and desist from reporting or distributing any and all of my personal, financial, or credit-related information, effective immediately and indefinitely;\n        I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data.\n\nDespite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.'

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 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: MS

Complaint narrative:
XXXX XXXX access my file without my consent which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OK

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief