vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greenwood and Allen Financial
State: AZ

Complaint narrative:
The company Greenwood and Allen, a debt collector using the phone number XXXX continues to call me after I sent a certified cease-and-desist and validation request, which they received and signed for. They also called my family multiple times. They have not provided any validation, and they took money from me for an alleged debt that was either barred or not valid. They are violating the FDCPA by contacting me after a cease request, contacting third parties, failing to validate, and using deceptive threats ( bad check/fraud ). I want investigation, refund, and all communications stopped.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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: Block, Inc.
State: VA

Complaint narrative:
b'XXXX XXXX XXXX XXXX, a transaction was made on my Cashapp card/account for the amount of $XXXX. I never made a purchase on that date to the company showing up on my account. I disputed it with Cashapp. I provided them with the necessary information. They denied the claim. I XXXX the business that was shown on my statement. The website contained clothes. I called the number listed on the website XXXX. The phone doesnt ring. It just hangs up. When I looked up the address for the company it was to a XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX. I sent an email to the email address on the website. It was returned as invalid. Online when I looked up the XXXX, the rating is an F. Failure to respond to 2 complaint(s) filed against business;Length of time business has been operating. May be a scam. XXXX XXXX XXXX XXXX XXXX. Ive given this information to Cashapp. They resend me the same email with the same information but nothing showing the steps taken. Nothing showing that they used the information I gave them. When I question the representative, they tell me that there is no number to the Corporate Office. They have no idea of a Corporate office. They only answer by email because thats how they respond. I would like to know if they actually look at and tried all the ways to check on my dispute.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Subject : Mortgage Servicing Transfer Error Wrongful Assessment of {$15000.00} in default interest and {$510.00} late Fees Company : Shellpoint Mortgage Servicing, Phone : XXXX Website : XXXX XXXXXXXX XXXX Phone : XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Summary of Issue : In XX/XX/XXXX I Mortgage originated with American Funding with a monthly payment of {$5400.00}. XX/XX/XXXX, I made my first payment, on XX/XX/XXXX I set up automatic payment with XXXX XXXX. on XX/XX/XXXX XXXX XXXX notified me vs an email that my loan will be transferring. I was not aware American funding has not withdrawn XXXX payment from my checking account. 
My mortgage was transferred from XXXX XXXX to Shellpoint in XX/XX/XXXX. In XXXX Statements received from both servicers after calling customer support ; I was explicitly instructed to pay both XXXX and XXXX directly to Shellpoint. At the time customers informed me there will not be any late fees charged. I acted in good faith to make all payments, and ultimately paid both XXXX and XXXX on XX/XX/XXXX, totaling {$10000.00}. Despite following all instructions from both servicers, I have been charged {$15000.00} in default interest ( I did not know I will be charged default interest if payment late for 30 days ) and {$510.00} in late fees. These charges are a direct result of delays and miscommunication during the servicing transfer not borrower fault. 



Legal Basis : Under RESPA ( 12 CFR 1024.33 ), servicers may not : assess late fees for 60 days after a transfer when the borrower attempts timely payment, penalize the borrower for transfer-related payment processing issues, or report delinquencies caused by transfer errors. 



Both companies have refused to remove the charges. 



Borrower Information : Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX # : XXXX Payments : XX/XX/XXXX {$5400.00} ; XX/XX/XXXX {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CO

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint because National Credit Systems is reporting a collection account on my credit report without providing any legally required validation of the debt, and without providing any proof that I ever authorized them to obtain, use, or furnish my personal information to any credit reporting agency.

They are furnishing my personal data to XXXX without any verification of the debt and without any legal authorization, which violates both : The FDCPA, The FCRA, and My personal privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending to you today because, as I carefully reviewed my credit report, I noticed two entries that tell a story that is not minea story that has left me feeling confused, frustrated, and concerned about the accuracy of my financial history. The first of these entries, listed under XX/XX/XXXX, references XXXX XXXX XXXX of XX/XX/XXXX with account number XXXXXX/XX/XXXX a balance of {$500.00}, and a date opened of XX/XX/XXXX. The second, underXX/XX/XXXX, tied to XXXX XXXX XXXX. XXXX with account number XXXXXX/XX/7805, a balance of {$520.00}, and a date opened of XX/XX/XXXX, is equally inaccurate. These entries, as they appear on my credit report, are misleading and contain details that do not align with any accounts I have ever opened, used, or authorized. As I traced back through my personal records, bank statements, and loan documents, I realized that these reported accounts could not possibly belong to methey contain account numbers I have never been issued, balances I have never owed, and dates that conflict with my documented financial history. It feels as though someone elses financial story has been woven into mine by mistake, and the resulting narrative inaccurately portrays my creditworthiness to potential lenders, employers, or landlords. Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute inaccurate information contained in my credit report, and I respectfully request that Experian conduct a full investigation of these accounts to verify their accuracy. Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) require that furnishers and credit reporting agencies correct or remove inaccurate information once it is disputed, and I expect that this statutory duty be fulfilled in my case. Moreover, FCRA 15 U.S.C. 1666 and FCBA 15 U.S.C. 1666a provide protections against creditor actions while billing disputes are pending, ensuring that I am not unfairly penalized for reporting errors that are not my responsibility. These protections are particularly relevant here because the reported accounts contain inaccuracies that, if left uncorrected, could result in unnecessary collection activity, higher interest rates, or denial of credit that I have earned through responsible financial behavior. I have included supporting documentation demonstrating that these accounts are not mine, and I urge Experian to investigate fully, contact the furnishers, and update my credit report to accurately reflect only the accounts I have legitimately opened, used, and maintained. The existence of these errors has caused undue stress, and I am requesting that Experian promptly complete this investigation and provide written confirmation of the findings, along with an updated credit report that corrects the false information and restores the integrity of my financial record.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX XXXX, Equifax, and XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX on XXXX under the account number XXXX ; a collection account opened at XXXXXXXX XXXX  on XXXX under the account number XXXX ; and an auto loan account opened at XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports.I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX XXXX, Equifax, and XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX on XXXX under the account number XXXX ; an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number XXXX ; and a credit card account opened at XXXX  XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports. XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX Date of inquiry XXXX These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My personal information was exposed in one or more major national data breaches, which included highly sensitive identifiers such as my Social Security number, date of birth, address history, and other permanent elements of my identity. Federal agencies including the FTC, CFPB, and CISA have confirmed that individuals impacted by these breaches face a significantly higher risk of identity misuse, fraud, and inaccurate credit reporting. 
As a result of this exposure, unauthorized third parties were able to use my compromised information to create, alter, or manipulate accounts and inquiries within my credit file. I did not authorize, open, or consent to any of the items listed below : Accounts to be removed : Account Name : XXXX, Account Number : XXXX To document the incident, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) confirming the compromise of my personal information. Despite notifying the credit bureau and invoking my rights under the FCRA, these inaccurate and unauthorized items remain on my file, continuing to cause harm, confusion, and security concerns. 
The credit bureau has failed to properly block, reinvestigate, or delete this fraudulent information, even though the FCRAspecifically sections 1681c-2 ( a ), 1681e ( b ), 1681i, and 1681g ( a ) requires these actions when a consumers personal data has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My personal information was exposed in one or more major national data breaches, which included highly sensitive identifiers such as my Social Security number, date of birth, address history, and other permanent elements of my identity. Federal agencies including the FTC, CFPB, and CISA have confirmed that individuals impacted by these breaches face a significantly higher risk of identity misuse, fraud, and inaccurate credit reporting. 
As a result of this exposure, unauthorized third parties were able to use my compromised information to create, alter, or manipulate accounts and inquiries within my credit file. I did not authorize, open, or consent to any of the items listed below : Accounts to be removed : Account Name : XXXX, Account Number : XXXX To document the incident, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) confirming the compromise of my personal information. Despite notifying the credit bureau and invoking my rights under the FCRA, these inaccurate and unauthorized items remain on my file, continuing to cause harm, confusion, and security concerns. 
The credit bureau has failed to properly block, reinvestigate, or delete this fraudulent information, even though the FCRAspecifically sections 1681c-2 ( a ), 1681e ( b ), 1681i, and 1681g ( a ) requires these actions when a consumers personal data has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has been months and Equifax still refuses to send me my credit report and score by mail despite receiving all of my identification and ssn and prior complaints. I need the cdpb to please assist me

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

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal placed a 120 hold on my account, then they placed another hold for 180 without my knowledge and is holding my funds of XXXX and has given me no information on while they are holding my funds and when it will be released and I feel this is this is illegal and I need an explanation

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

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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

Complaint narrative:
At XXXX XX/XX/scrub>XXXX XXXX XXXX I received a phone call from someone stating they were from Experian telling me that someone in XXXX XXXX, XXXX  ( XXXX XXXX ) was trying to open a visa credit line of {$11000.00} with XXXX XXXX. She told them that she was my daughter. The man gave me the last 4 numbers of my social security number to verify that I was in fact a victim of identity theft. He gave me a case # XXXX and then referred me to another man ( XXXX XXXX XXXX allegedly from the Federal Consumer Protection Agency. He stated that he had the ability to cancel the visa card application and gave me another code number XXXX that supposedly represented the block. He was calling from the following number : XXXX. My son warned me that this was a scam and not to cooperate with XXXX XXXX. XXXX XXXX then told me to hang up and call him back to verify that he was from the Consumer Protection Agency. When I called back I got a recording that said " please leave a message and someone will get back with you. '' In seconds I received another phone call from XXXX XXXX same number XXXX. My husband took this call and told her never to call our home again. My son looked up the telephone number and discovered it was associated with " Your Day Time Daughter '' in XXXX, XXXX XXXX. These people knew all about my entire credit history. I do not believe either individual legitimately represented either Experian or the Federal Consumer Protection Agencies.

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 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I'm a XXXX percent service connected XXXX veteran. I am property tax exempt in my state and have been approved by my county and State for a refund for my property taxes I paid. 
My mortgage company has been notified of this and sent the document to them to adjust my mortgage and escrow payment. 
My payment was due XX/XX/XXXX and they have yet to fix the issue therefore causing my payment to be late and my mortgage payment staying the same. I am not paying for something that I do not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XXXX XXXX XXXX I financed my vehicle with Bank of America. After signing the loan contract, I realized it was a daily interest loan and decided to refinance with another company. On XXXX XXXX XXXX, I called Bank of America to get a pay off letter to have the loan paid off. Bank of America did not have a record of my loan. The account was not created. I waited a week and called again on XXXX XXXX XXXX. Still they did not have a record of my loan. In the meantime, the loan was accruing interest at {$7.00} per day. I called every other day to check to see if the account was created so I could pay the loan off and avoid having to pay the daily interest. The account was created until XXXX XXXX XXXX.

Therefore, I was charged 25 days of interest on a loan that I made several attempts to pay off as of XXXX XXXX XXXX, but Bank of America did not have a record of the loan.

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