vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
A debt buyer ( Security Credit Services LLC ) and its law firm XXXX XXXX XXXX XXXX ) are suing me in state court to collect a charged-off credit card account originally from a credit union XXXX The balance they claim is about {$16000.00}. 

I have been unemployed for over four years due to serious medical issues ( XXXX XXXX XXXX XXXX XXXX XXXX and now a XXXX XXXX ). On XX/XX/year> I had major XXXX, and my doctors have advised me to limit stress, including court appearances. 

I currently have no wages or other income. My only realistic income going forward will be Social Security benefits starting in XX/XX/year>. I have repeatedly told the law firm in writing that my income is or will be exempt Social Security benefits and that I have no non-exempt wages or assets they can collect from. 

Despite this, the company continues to pursue the lawsuit and is effectively trying to collect from exempt funds. They previously proposed a payment plan of {$250.00} per month until paid in full, and tied it to signing an agreement that could be filed with the court. I explained in writing that I can not afford that amount and can not agree to a court-filed judgment when my only income is exempt. 

I then made multiple written hardship offers over several months, including a proposal to pay {$200.00} per month for 18 months ( total {$3600.00} ) as a reduced settlement, with dismissal of the case when paid and no consent judgment. These offers were sent in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and early XX/XX/year>. I also informed them about my XXXX date and that the court granted a continuance because of my medical condition. 

The company has not provided a realistic counteroffer and has not seriously engaged with my hardship or the fact that my income is exempt Social Security. By continuing to press litigation and refusing reasonable hardship terms when they know I am judgment-proof and medically fragile, they are effectively attempting to collect from exempt funds and using the court process to pressure payment that can only come from protected Social Security benefits .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XX/XX/year> Purchase Made I purchased merchandise from XXXX XXXX for XXXX total of {$73.00}, financed through Affirm under Loan ID XXXX 

XX/XX/year> XXXX Delivered The package was delivered on XX/XX/year>. 

XXXX XXXX XXXX I Initiated Return Immediately The items did not fit, so I emailed XXXX XXXX XXXX XXXX requesting a return. 

XX/XX/year> Merchant Responded With XXXX XXXX XXXX XXXX XXXX XXXX and directed me to their return portal to process the return. 

XX/XX/year> Merchant Issued a Fraudulent Return Label I received a prepaid return label the same day, but it was invalid : The label was stamped SAMPLE DO NOT MAIL. 
The XXXX tracking number XXXX was already used prior to being sent to me. 
XXXX XXXX shows it was picked up in XXXX, XXXX  and delivered to XXXX XXXX XXXX, XXXX  on XX/XX/year> more than a month before my purchase. 
This proves the merchant issued a previously-used label, making it impossible for me to return the items. 

XXXX XXXX XXXX I Contacted XXXX XXXX ( No Response ) I emailed the merchant multiple times requesting a valid return label. 
I received no further replies. 

XX/XX/year> I Contacted Affirm For Help After two days of no response from the merchant, I contacted Affirm and provided : The fraudulent label The XXXX XXXX proving the label had been used Screenshots of communication attempts Proof that I initiated the return well within the merchants XXXX policy Affirm told me they would open a dispute. 

XX/XX/year> Affirm Finally Opened the Dispute Affirm did not begin investigating until XX/XX/XXXX, nearly XXXX weeks after I requested help, and less than XXXX weeks before the merchants XXXX return policy expired. 

This delay significantly harmed my ability to resolve the issue. 

XXXX XXXX XXXX, 2025 Affirm Appears Not to Contact Merchant or Review Evidence Affirm requested evidence, which I uploaded multiple times. 
Affirm has since deleted prior messages from the dispute thread. 

There is no indication Affirm reviewed : The fraudulent label XXXX tracking My communication attempts The timeline of events XX/XX/year> Affirm Denied My Dispute Affirm sent a message saying the dispute was denied because the merchants XXXX return window had expired and because no evidence was received. 

Both statements are false : I initiated the return within XXXX hours of delivery The merchant obstructed the return by issuing a fake label I uploaded all required evidence multiple times Affirm allowed the case to sit until the XXXX period expired and then denied it on that basis XX/XX/year> Affirm Closed and Re-Closed the Case I resubmitted the evidence and asked Affirm to reopen the dispute. 

Affirm responded again that they can not do anything and again claimed lack of evidence despite me re-uploading all of the visual proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal refused to refund unauthorized transactions even though I did not authorize the billing agreement and did not receive any goods. The merchant provided invalid tracking that does not correspond to my address, yet PayPal closed my case. 

Transaction IDs : - XXXX ( XXXX EUR ) - XXXX ( XXXX EUR ) PayPal incorrectly sided with the merchant despite clear evidence of fraud. I did not authorize these purchases, did not agree to the billing agreement, and nothing was delivered to my address. In fact, I reported this issue immediately it happened, explaining that someone was using my account and I need immediate help. I have called severally without success, logged it twice, and it was closed. 

PayPal is not complying with Regulation E protections for unauthorized debit transactions. I am requesting CFPB assistance to require PayPal to refund these unauthorized transactions and correct my account records. 

I have already contacted PayPal and they refused to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 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: MI

Complaint narrative:
After ensuring my legal name change was accurately reflected on all active accounts, I contacted Experian to see my name change was also reflected on their end. On XX/XX/year> a letter was sent by me to each of the XXXX major credit bureaus, including Experian. In the week prior to sending these letters I contacted Experian over the phone to inquire why my account was not reflecting all credit data to include most loans taken out in my previous name. These actions were taken a few months after I had ensured all active accounts were in my current name, giving the loaners ample time to report the name change on those accounts to all XXXX  credit bureaus. It is now XXXX and Experian has not updated my credit report to reflect my actual credit record. Most notably are my still active Credit Card with XXXX and car loan from XXXX. Currently the only thing showing on my Experian credit report is my mortgage through XXXX XXXX. Upon researching this issue, it seems to be a common issue for people who have experienced a legal name change. I have been unable to transfer the debt on my Credit Card to a new account with my current Credit Union for a lower interest rate because my active credit card does not show up on the hard credit report they pull. Experian 's non-compliance is quite literally costing me money as a result. The few people who I've known or heard of seeing these issues resulted were only after they paid for premium subscription services from Experian.

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 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: ME

Complaint narrative:
On Monday XX/XX/year> at XXXX XXXX  I sent my daughter {$40.00} so she could buy baby formula for my granddaughter. It was all I had. 
I didn't know that she no longer had access to the email or cash app account because her accounts were hacked ( the last transaction I sent her before this was on XX/XX/year> ) When I contacted Cash App to see about reversing it, I was told only my daughter could " refund '' it to me, even after explaining about her having her old accounts hacked and her being XXXX XXXX. They said that there is now nothing they can do and I have to " wait and see '' what can be done. 
I've reported to them several times but there isn't any activity after a week and no information or update from Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NY

Complaint narrative:
I dispute the chargeoff accounts from XXXX # XXXX and XXXX XXXX # XXXX because they contain inconsistencies in the reported information and dates. 
Such discrepancies violate the accuracy requirements of the FCRA ( 1681e ( b ) ) and misrepresent the true status of the accounts.

Unless lawful documentation is provided to substantiate the reporting, these accounts must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I am filing a formal complaint regarding an inaccurately reported XXXX on my consumer credit profile. TransUnion, Experian, and/or Equifax continue to report a XXXX  that they claim was verified, however I have obtained an official letter from the XXXX XXXX XXXX confirming that they do not furnish or verify consumer reporting information with credit bureaus. This means the XXXX  could not have been verified through the court, and therefore the bureaus must have relied on a third-party source, which is unlawful under the Fair Credit Reporting Act. 

Because the alleged reporting source has confirmed they are not the furnisher and did not verify this information, the bankruptcy is unverified, inaccurate, and unlawfully reported under the FCRA. 

This reporting violates the following sections of the FCRA : FCRA 1681e ( b ) failure to maintain reasonable procedures to ensure maximum accuracy FCRA 1681i ( a ) ( 1 ) ( A ) failure to conduct proper reinvestigation of disputed information FCRA 1681i ( a ) ( 2 ) ( A ) failure to verify information with the actual furnisher FCRA 1681i ( a ) ( 5 ) ( A ) continued reporting of information that can not be verified I am requesting immediate removal of this XXXX  from all reporting credit bureaus, as it is neither verified nor lawfully validated. I have attached a copy of the certified letter from the XXXX XXXX confirming that they did not and do not verify this information. 

Remedy Requested : Immediate deletion of the XXXX  from all credit reports Written confirmation of removal Correction and enforcement of FCRA compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have record and email that an account was opened under my name. I have not opened any account. Also showing pre approved for a loan that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX : 1. Immediate and permanent deletion of all Midland Credit tradelines. 
2. Full written MOV disclosure if deletion is refused.

3. Permanent suppression from any future re-reporting without sworn do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a purchase on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Later on that evening, that company charged my card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my authorization.Then, they tried to charge my card.XXXX XXXX XXXX XXXX XXXX XXXX, but they had already drained my bank account. I did not authorize these other charges and did not receive any goods or services when I tried to contact the merchant my emails come back as undeliverable, and the phone number doesn't exist. There is no way to contact the merchant because it is a fraudulent company. I filed a dispute with my bank and they denied it XXXX times with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: WV

Complaint narrative:
My vehicle was repossessed in XXXX without a XXXX  day notice being sent which is required by state law. I have the email where I changed my address a year ago, which they are saying that they did not have. They are also claiming that they have called me, which they have not. My mother, who co-signed on the vehicle with me, did not receive a notice either. I simply woke up and the car was gone. I have been labeled as hostile due to me asking why a representative was being rude to me. I have been told that I am not allow to get my belongings and that I was not going to be transferred to the department that I needed to talk to get this situation rectified.

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I applied for a XXXX XXXX online on XX/XX/year> and was approved. I waited for my card to come in the mail but the card never came. 

I called XXXX XXXX yesterday to ask about it. They informed me that someone had been using my card. This criminal was able to use my card without the card activated. All the credit cards I had opened prior to this incident had to be activated before use. XXXX XXXX representative replied that it had been a common practice for this institution to not activate cards before they can be used. 

My personal information was put in the hands of the criminal and I feel violated. I also have to go through investigation period by the XXXX XXXX related to this card theft. 

XXXX XXXX credit cards need to have a requirement of being activated before use to protect the consumer. It is unacceptable for XXXX XXXX to mail out a card via regular mail that are ready to use. 

Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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 writing to formally dispute XXXX  credit inquiries that appear on my credit report. The inquiries dated XX/XX/year> were not authorized by me, and I did not grant permissionor any related partyto pull my credit on these dates. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these unauthorized inquiries from my credit file, as they are inaccurate and were not initiated or approved by me. Please conduct an investigation and provide written confirmation upon completion. 

Items to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LoanCare, LLC
State: CA

Complaint narrative:
Complaint Against : LoanCare , LLC Issue : Failure to disclose HUD Partial Claim payoff during refinance ; inaccurate payoff statement ; financial harm caused by servicer error. 

Summary : I am filing a complaint regarding XXXX failure to disclose or include my HUD XXXX XXXX balance of {$8700.00} in the refinance payoff for my XXXX mortgage. This omission occurred despite LoanCare being legally required to provide a complete and accurate payoff statement. 

I refinanced my mortgage in XXXX. On XX/XX/XXXX, LoanCare sent me a written confirmation stating that my mortgage loan had been fully satisfied and that no further action was required. However, years later, HUD notified me that the Partial Claim was never paid during the refinance. 

This error has resulted in a sudden financial liability years after the refinance, despite my full reliance on XXXX written statements. XXXX failure to disclose the HUD XXXX XXXX during payoff is a violation of servicing obligations and has caused material financial harm. 


Attachments : HUD Partial Claim Promissory Note ( XXXX, {$8700.00} ) LoanCare Payoff Confirmation Letter ( XX/XX/XXXX ) HUD Notice informing me of outstanding balance

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Date XX/XX/year> Creditor or Collection Agency Name Address City, State, ZIP Code Re : Cease and Desist Notice To Whom It May Concern, This letter is a formal request that you cease and desist all communication with me regarding the above-referenced account. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you stop contacting me by all means, including but not limited to telephone calls, voicemails, emails, text messages, letters, or communication through third parties.

You may only contact me in the future to confirm one of the following : 1. That you will comply with this request and cease communications ; or 2. That you intend to pursue a specific legal remedy permitted by law.

This letter is not an admission of liability, nor is it a refusal to pay. It is simply a lawful request to stop further communication.

Any continued contact in violation of this request may be documented and reported to the appropriate regulatory agencies.

Thank you for your cooperation.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
The Debt been removed from my account for identity theft reasons it was removed in XXXX however another company picked up and resubmitted the same amount,

Company response to consumer: Closed with explanation