vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am four months away from PSLF forgiveness after 10 years of qualifying service. 

In XX/XX/XXXX, Mohela informed me that my IDR plan would end on XX/XX/XXXX and that I must recertify. This contradicted Federal Student Aids XX/XX/XXXX directive extending all IDR recertification dates to at least XX/XX/XXXX. 

I was instructed to submit a new IDR application. Instead of maintaining my XXXX IDR payment amount, Mohela placed my account into an administrative forbearance on XX/XX/XXXX. 

The notice stated I would receive PSLF credit for 60 days, but that no credit would be given after that if Mohela had not processed the application. It has now been 8 months ( XXXX XXXX ). My IDR application is still unprocessed. 

As a result, I have lost 6 months of PSLF credit even though I did everything Mohela instructed. This delays forgiveness by at least a full year. 

I am requesting : Immediate cancelation of my IDR application so my XXXX IDR payment amount can be restored through XX/XX/XXXX. 
Retroactive PSLF credit for all months since XX/XX/XXXX Removal of all administrative forbearance applied in error Restoration of my XXXX IDR payment amount through XX/XX/XXXX This is a servicer error that conflicts with FSA guidance. Please escalate and review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: TN

Complaint narrative:
Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ) Account/Reference Number : XXXX To Whom It May Concern : I am formally notifying you in writing that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease all communication with me regarding the alleged debt referenced above. 
This letter serves as my official Cease and Desist demand. 
From this date forward, you and your representatives must immediately stop all forms of contact with me, including but not limited to : Phone calls Text messages Emails Letters Contacting my family, friends, employer, or any third party Under 15 U.S.C. 1692c ( c ), once you receive this notice, you may only contact me one time, and only for the following purposes : To inform me that further communication will cease ; or To notify me of specific legal action you intend to take.

Any additional communication beyond what is permitted by law will be considered a violation of the FDCPA, and I will not hesitate to file complaints with : The Consumer Financial Protection Bureau ( CFPB ) My State Attorney General The Federal Trade Commission ( FTC ) I also reserve the right to pursue civil remedies under 15 U.S.C. 1692k for actual damages, statutory damages, and attorneys fees. 
Please treat this matter with the seriousness it requires. 
Sincerely, 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 2025-11-18 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I rolled over retirement funds to SoFi. The source sent a physical paper check which I forwarded by US mail to SoFi. The check was stolen and cashed. The sender needs an affidavit from SoFi to investigate and reimburse for their bank 's gross negligence. SoFi refuses to provide this truthful affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information was leaked due to the data breaches of XXXX, transunion, XXXX, XXXX XXXX, and XXXX. Please attachment for identity theft report, proof of data breaches and proof of identification

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 2025-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my report and noticed inquries that are not mine ad do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-18 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: LA

Complaint narrative:
I am submitting this complaint to dispute several items on my credit report that I believe are inaccurately reported. Please find below the details of the accounts in dispute, separated by credit bureau. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: KY

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 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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : PayPal illegally withdrew {$6500.00} from my limited account after the 180-day hold I am filing a complaint against PayPal regarding unauthorized withdrawals totaling {$6500.00} USD. 

My PayPal account ( registered in XXXX while I reside in XXXX ) was permanently limited more than 180 days ago. After the 180-day hold ended, PayPal withdrew my entire balance through multiple PayPal loss recovery transactions. 

These withdrawals were : Unauthorized Not tied to any disputes Not tied to any chargebacks Not tied to any buyer complaints Not explained to me before or after they occurred There were zero disputes on my account. I have never received any communication, evidence, or notice from PayPal that would justify deducting {$6500.00} from my balance. 

This action violates transparency requirements and constitutes an unauthorized seizure of funds. 

I request that CFPB : XXXX. Require PayPal to provide a full and detailed explanation for each withdrawal 2. Order PayPal to refund the {$6500.00} taken from my account 3. Initiate a manual investigation into PayPals actions 4. Ensure compliance with consumer financial protection laws I can not resolve this issue with PayPal directly because they provide no explanation and only give automated responses. I respectfully request CFPBs assistance in recovering my funds. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I filed this complaint to TRANSUNION. I strongly disagree with the response you provided regarding your investigation. Despite your investigation, the following incorrect items still remain on my credit report. I request an immediate reinvestigation of these items for valid reasons. These inaccuracies are significantly detrimental to my credit rating. 

XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} Please correct/update this inaccurate information on my credit report by removing all the late payments. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Please remove this inaccurate information from my credit report by removing all the late payments. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX BALANCE {$0.00} Please remove this inaccurate information from my credit report by removing all the late payments. 

The late payment data being furnished does not meet XXXX XXXX accuracy thresholds and lacks verification per FCRA 623 ( a ) ( 1 ) ( B ). If XXXX can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} Please remove this inaccurate information from my credit 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 non-monetary relief
Consumer complaint received 2025-11-18 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:
I am filing this complaint due to inaccurate information reported by TransUnion. Despite my disputes, TransUnion has failed to provide sufficient verification or documentation as required by the Fair Credit Reporting Act ( FCRA ), particularly 611. 

I am requesting that the CFPB intervene and ensure TransUnion conducts a proper reinvestigation and removes unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( TU ) XXXX XXXX XXXX XXXXXXXX XX/XX/year> {$360.00} This account is reported inaccurately, and TransUnion has failed to provide proper documentation or verification. 

Inquiries ( TU ) No additional inquiries listed to dispute. 

Late Payments ( TU ) XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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 am disputing the following accounts on my credit report. These entries are inaccurately reported, and I request immediate review and correction of these issues. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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 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 2025-11-18 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: EQUIFAX, INC.
State: KY

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WY

Complaint narrative:
Issue : Chime is refusing to send my replacement debit card to my PO Box , even though my ZIP code ( XXXX ) does not receive physical USPS mail at all. My only mail delivery location is my PO Box , and USPS requires PO Box use for all residents here. 

What happened : I attempted several times through the Chime app to update my delivery address to my PO Box , but the app blocks PO Boxes entirely. I then contacted support, and the representative stated there is nothing they can do and refused to escalate or process an override. This leaves me unable to receive my debit card at the only place mail is delivered in my area. 

USPS has made it clear that they do NOT deliver mail to physical street addresses in ZIP code XXXX. Residents are assigned PO Boxes and are required to use them. I can not receive any mail at my physical address at all, and USPS will return or reject items sent there. 

Because Chime will not allow my debit card to be sent to my PO Box the only place I can receive mail I am being denied access to my own account and funds. 

Impact : I can not receive a replacement card. I can not access my money. Chime is effectively preventing me from using my account because they refuse to use the only legally valid mailing option where I live. 

What I want : I am requesting that Chime process an address exception override and send my replacement debit card to my PO Box , or provide an alternative solution that allows me to receive my card at the only USPS-supported mailing location in my region. 

This is a required accommodation due to the lack of physical mail delivery in my ZIP code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that I did not verify as required by law on my consumer 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 non-monetary relief