vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-08-23 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
National credit adjust bought a debt from speedy cash who claims I took out a loan in XXXX of XXXX  which now reflects negatively on my credit. I was incarcerated in XXXX in XXXX of XXXX  and have documentation to prove it. I filed a dispute in XXXX occasions, the second time showing my documentation, and they continue to say their information is accurate. That is simply impossible and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have been a member of USAA since XXXX, but for the past XXXX years, it has been a complete nightmare banking with them. Their fraud/security department has been flagging and locking my account constantly. I could be at the grocery store shopping and, when it's time to pay for my items, my account is locked. I have to call them and spend hours on the phone trying to figure it out to get my account unlocked, then they say it will remain locked for 72 hours. Most recently, they restricted my account while I was trying to pay the deposit to get a new apartment. I had no access to my account, couldn't pay to move into my apartment, had no money to get a hotel, and had to sleep in my car. And every time I call them, no one can give me an exact answer as to what is going on or how long my account will be restricted. Do not bank with USAA.

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 2025-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Fighting Fraudulent Foreclosure on a Texas VA guaranteed Homestead Property Urgent Help Needed I am a XXXX homeowner in XXXX, Texas, and I have lived in my home since XXXX. This property is my Texas Homestead VA backed guarantee, yet I am facing an illegal foreclosure scheduled for XX/XX/XXXX. 
Here are the key issues : Conflicting balances : Shellpoint Mortgage Servicing claims I owe {$33000.00}, my credit report shows $ XXXX, and an IRS XXXX XXXX they issued states {$22000.00}. These numbers conflict and show fabrication. 
No legal standing : The Texas Department of Savings & Mortgage Lending ( SML ) confirmed they have no record of any assignment or transfer of my mortgage. XXXX XXXX XXXXXXXX also admitted they have no records of my loan, yet they collected payments for years. 
Misuse of assistance funds : I received Texas Assistance Funds of {$16000.00}, but they were never applied to my account because there was no valid debt to apply them to. 
Elder fraud : I am a XXXX Texas resident being targeted with a fraudulent foreclosure on my homestead.

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My phone was stolen, and the individual that stole my phones used my cash app account and XXXX account to make hotel reservations using someone elses name and my dispute was denied. 

There was another issue in which I had to pay for a new key fob for my car, the XXXX came and I paid them {$250.00} through cash app however the key fob did not work properly, I reach out to the XXXX company and cash app for assistance and none was provided, so I had to spend another {$500.00} for another key fob.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone is actively hacking into my transunion account and using my identity to open fraudlent accounts. I have gotten reports of T-mobile account being activated in my name, XXXX XXXX  to buy a dog, XXXX debit, XXXX credit and debit, XXXX credit card, Credit inquiries for auto leasing, XXXX XXXXXXXX and more. They've changed the information to theirs on all my crediting reporting companies but more so on TransUnion. They changed my initial fraud alert to have their phone number as the primary contact. They've successfully changed the email and phone number multiple times even though I have called Transunion several times and asked them to ensure that the perpetrators can not access my account. The fraudster has purchased a TransUnion premium membership under a credit card I do not recognize but has my billing address. TransUnion has done nothing for the security of my account and allows this person to continue activity when I have contacted multiple times of the fraudulent emails and phone numbers. The phone operators have been no help in rectifying the situation and keep transferring me to departments that unsuccessful as well. I was transferred from the account management department, to disputes, and directed to call migration department and none were helpful or successful in mitigating the risk on my account since the fraudster was able to update the phone number on my credit report and change the email and phone on my account tied to Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing this letter to ask for removal of a late payment reported on my credit report for the -referenced account for toyota financial. While the creditor has verified this late payment, the account has since been paid in full as of [ XXXX  ]. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate, complete, and up-to-date. Continuing to report this late payment after the account has been fully satisfied is misleading and does not accurately reflect my current credit standing.

I am requesting that this late payment be removed from my credit report as it no longer represents the accounts status.take my financial obligations seriously and have always strived to maintain a strong payment history. This late payment was an unusual circumstance, and I kindly request a goodwill adjustment to remove it from my credit report. Removing this mark would greatly help me continue to build and maintain my credit responsibly. 

I respectfully remind you that the FCRA allows consumers to dispute inaccurate information and mandates that credit reporting agencies correct or delete information that is incomplete or outdated. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Its was on XX/XX/year> and it was {$80.00}, and I was using XXXX  and their instant transfer option completely went down from what the first representative said and I was disconnected, and I tried again and the second representative told me it was on my banks end and the third representative told me its because the service for instant transfer is down but not their 1-3 days option but they wont give me back my XXXX dollars off of hold even though its still pending since yesterday at XXXX and its the next day and nothing what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there a several loans credit cards and students loans ive never opened. I have never gave anyone authorization or permission to open these accounts without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there a several loans credit cards and students loans ive never opened. I have never gave anyone authorization or permission to open these accounts without my consent

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 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
End of XXXX  I went to wolfs dealership in Delaware. I was presented with the option of Credit acceptance since my credit score was a XXXX at the time. The car was initially $ XXXX. After being approved & signing papers they then told me the interest rate was more than XXXX XXXX. The car became $ XXXX. I never wanted to pay $ XXXX for a used car with XXXX miles on it already. I tried to refinance the car multiple times but because I was still paying off the interest they said I couldnt. I had already gave them $ XXXX over time but refinancing wasnt an option & they had XXXX party companies repo my car XXXX times in XXXX. I want to know if theres anything I can do? My credit score dropped to XXXX immediately after getting the car. Its now a 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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Deposited a third-party check with Chase Bank that I physically signed and deposited into my account. Chase bank processed the check deposited into my account and without any notification said check was denied and rejected due to endorsement and could not find the image of the check. Last check and said they would send a reissue check 10 days in the mail even though they took the money already back out of my account for rejected check. They said by XX/XX/XXXX would be stopping third-party checks, but it is before before XX/XX/XXXX when they stopped a third-party chat due to endorsement. The letter they sent was very misleading did not talk about rejecting the check just the endorsement was invalid was given no time to correct or verify that I was the person endorsing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: MI

Complaint narrative:
In late XX/XX/year>, I received a letter dated XX/XX/year>, from Phillips & Cohen Associates ( Ref. # XXXX ), attempting to collect a debt they claim is owed. The total debt listed was {$16000.00}. However, I dispute the validity of this debt. 

On XX/XX/year>, I emailed XXXX with a formal written dispute of the debt and requested supporting information to validate the debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). I also asked that all collection activity be paused until the dispute is resolved and pointed out that their records incorrectly listed my address as having an apartment number, when in fact I live in a single-family home. 

On XX/XX/year>, I followed up by forwarding the same message to XXXX, asking for confirmation that my original email had been received. As of today, I have received no response, no documentation verifying the debt, and no acknowledgment of my dispute. 

This failure to respond while continuing collection activity violates my rights under the FDCPA. I am requesting CFPB assistance to ensure that : The company validates the debt, and Pauses all collection activity until that validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Each month CapitalOne XXXX Credit Card has been receiving my payment once monthly and alway before it's due. A payment was made on XX/XX/year>, another payment demanded by CapitalOne due on XX/XX/year>. When calling the entity about this early payment being demanded, the explanation given by the phone agent was confusing and did not address the fact I'm going to be billed every XXXX weeks from now on. CapitalOne did not inform me of their changes in billing, and I can not afford to meet their demands of payments every XXXX weeks. Previously CapitalOne was satisfied with payments monthly and according to my billing cycle, though now they have altered schedules without my being informed. Had I known in advance I would have protested their changes and closed the account for the lack of honesty and professional ethics. Suddenly CapitalOne demands twice monthly payments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
The loan balance on my account is incorrect and it shows late payments for this year. I need the loan balance updated and the late payments cleared off. This is affecting my credit score and my ability to secure lower rates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute and request an immediate investigation regarding the following account, which I believe is the result of identity theft or a data breach : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year>2020 Balance : {$0.00} I did not authorize this account, and I am concerned that my personal information may have been compromised. Please investigate this matter, block the fraudulent account from my credit report, and send me written confirmation of the results of your investigation.

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 2025-08-23 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C 1681i ) and 609 ( 15 U.S.C 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C 1692g ), I am writing to dispute the following collection Account the appears on my recent credit report 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 explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I did an instant transfer with Venmo on the morning of XX/XX/scrub> 2025 and it never got sent to my bank account. I waited a few hours and then called customer service and they didn't have a clue what was going on at first. After repeated calls I finally get a rep to claim its a server issue and they were working on it however when I asked for the log of the engineers reports they denied it to me even though they said they would send it over e-mail. Called again hours later and they claimed it was an error code due to which bank I was transferring the money but they still denied to tell me what would happen to my money and when the issue would be resolved.

After calling again this morning the issue is still around but they claim that they are fully operational even though apparently I'm not the only person who had money stolen from them in this limbo process. If they had a real secure company they would have noticed and shut down the website 3 hours earlier as you can follow an outage report spike from around XXXX that morning from websites that track outages. The company is being neglectful and their customer service is not helping or providing any ETA of the issue being fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation