vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: IL

Complaint narrative:
I am disputing inaccurate information on my Experian credit report that appears to be the result of identity theft. 

On or around XX/XX/XXXX, I reviewed my Experian credit report and discovered accounts, late payments, and credit inquiries that I did not open, authorize, or recognize. I believe my personal information was compromised during the XXXX data breach and later used without my permission. 

The following accounts are reporting on my Experian credit report even though I did not open or authorize them : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX accounts contain inaccurate information and associated late payments. 

In addition, my credit report shows multiple unauthorized hard inquiries between XX/XX/XXXX and XX/XX/XXXX, including inquiries from lenders such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX. I did not apply for credit with these companies. 

My Experian credit report also contains incorrect personal information, including an inaccurate name variation, incorrect date of birth, incorrect address information, and employers that I have not worked for. 

I am disputing these items and requesting that Experian conduct a full investigation and remove or correct any information that can not be verified as accurate.

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 2026-01-20 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: Dave Operating, LLC
State: NY

Complaint narrative:
They told me that my account was closed so they couldnt do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Complaint Summary/ What Happened I am submitting this complaint regarding improper mortgage servicing, disputed ownership, and unauthorized billing activity involving XXXX entities : XXXX ( original lender ), Rocket Mortgage, and XXXX XXXX XXXX XXXX XXXX XXXX ( servicer ) XXXX 

I executed a promissory note on or about XX/XX/year>, with XXXX, loan number XXXX. I have never entered into a lending contract with Rocket Mortgage. 

Despite this, I am now receiving billing statements from Rocket Mortgage under a different loan number ( XXXX ), with servicing activity attributed to XXXX XXXX XXXX XXXX XXXX XXXX. I was never provided with clear, timely, or accurate notice explaining how or why Rocket Mortgage claims the right to bill me, nor have I received competent proof that any entity currently billing me has lawful standing to enforce the note. 

Compounding the issue, Rocket Mortgage previously denied me credit when I applied for a mortgage, which raises serious concerns regarding how that same entity now claims the right to collect on an alleged obligation without a contractual relationship. 

Specific Issues and Concerns I have received no valid Notice of Assignment identifying a lawful transfer of ownership of the promissory note from XXXX I have received no clear or complete Notice of Transfer of Servicing explaining XXXX XXXX The use of a new and unexplained loan number has never been reconciled with my original XXXX note Multiple entities appear to be asserting rights without clearly identifying the true owner of the debt Billing and potential credit reporting appear to be occurring without verified standing or authority These actions have caused confusion, stress, and concern regarding unauthorized collection activity and potential credit harm. 

Steps I Have Taken I sent a Qualified Written Request ( QWR ) and demand for proof of standing to Rocket Mortgage and XXXX XXXX XXXX I sent a written demand to XXXX requesting confirmation of whether the promissory note was assigned, transferred, or satisfied I requested documentation establishing lawful possession of the note, chain of title, and servicing authority As of this complaint, the matter remains unresolved. 

What I Am Requesting I am requesting that the CFPB require the respondents to : Clearly identify the current lawful owner of the promissory note Produce documentary proof of standing and enforcement authority Reconcile all loan numbers and servicing records with the original note Cease billing and credit reporting until lawful authority is established Correct any inaccurate servicing or reporting related to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
So someone opened credit cards on my name. The debit does not belong to me. I called the creditor and let the know its not mine and that someone opened a false account on my name. Told them to stop reporting the account as a charge off and its hurting my credit score. They keep saying it comes back as verified as my account which is false. Transition and equafax are not doing a full investigation. They keep lying there investigating this matter. I need this info off my credit report because its hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app closed my account saying that I violated there investment terms when I don't use investments they can't provide me exactly what I did but said they feel like I might of violated there terms. This is not fair and uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My problem is with PayPal. On XX/XX/year>, PayPal received {$140.00} to be put into my account. It was a settlement from XXXX ( by the way I never asked XXXX to put this into my PayPal account ). However, according to Paypal, there are XXXX ways I can access this money. 

XXXX. I can send money to my bank account by giving PayPal my account number and password! Of course I am not doing that! 

XXXX. Add the money to my PayPal account to be used for future purchases ( which is what I prefer ). However, they ask for my entire social security number. I do not want to give them my ss XXXX 

We are repeatedly told not to give out personal information. Why does this company insist on this. By the way I have had this PayPal account for 10 years without a problem. 

Thank you for your help. Please advise. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: TX

Complaint narrative:
I just want to Follow up this to formally dispute and request correction of certain information currently appearing on my credit report. After carefully reviewing my file, I noticed that several items are being reported in a manner that does not fully or accurately reflect the true status and history of my accounts. Under the Fair Credit Reporting Act, I am exercising my right to dispute inaccurate, incomplete, and misleading information and to request that my credit file be updated to reflect accurate and complete data.First, my file currently reflects an address that does not belong to me and is not associated with my credit history. The addresses listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX is inaccurate and should be corrected, as it does not represent my true or current residence. Reporting incorrect identifying information creates a risk of mixed or incomplete credit files and does not meet the accuracy standards required under the Fair Credit Reporting Act.In addition, there are account payment statuses that are being reported in a manner that does not accurately reflect the full and current standing of the accounts. The XXXX account number ending XXXX with a balance of {$7600.00}, opened on XX/XX/XXXX, and showing a most recent payment on XX/XX/XXXX, is currently reflected with late payment history. Similarly, the XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number ending XXXX with a balance of {$1100.00}, opened on XX/XX/XXXX, and showing a last payment on XX/XX/XXXX, is being reported as late while open. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number ending XXXX that is reported as closed with a XXXX balance but still tied to adverse payment history should be reviewed for accuracy and consistency. Since this account reflects a {$0.00} balance and is no longer open, its reporting should accurately align with its final status and reflect a paid and properly resolved account, consistent with FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation and correct any inaccurate or incomplete information. Pursuant to 15 U.S.C. 1666 and 15 U.S.C. 1666a, consumers are entitled to the correction of billing errors and to fair treatment while an account is under dispute. Additionally, FCRA 611 ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable reinvestigation of any information that is disputed and to ensure that only information that is verified as accurate and complete remains on a consumers 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Complaint Summary/ What Happened I am submitting this complaint regarding improper mortgage servicing, disputed enforcement authority, and unauthorized billing activity involving multiple mortgage entities, including XXXX ( original lender ), XXXX  XXXX XXXX, Rocket Mortgage, and XXXX  XXXX XXXX XXXX XXXX XXXX 

I executed a promissory note on or about XX/XX/year>, with XXXX, loan number XXXX. 

Following origination, XXXX  XXXX XXXX acted as the servicer for this same loan number ( XXXX ). Subsequently, without clear explanation or proper notice, billing activity emerged from Rocket Mortgage under a different loan number ( XXXX ), with servicing attributed to XXXX  XXXX  XXXX XXXX XXXX XXXX 

I have never entered into a lending contract with Rocket Mortgage, and Rocket Mortgage previously denied me credit when I applied for a mortgage, making its later appearance as a billing party particularly concerning.

Specific Issues and Concerns Multiple servicing transfers appear to have occurred ( XXXX XXXX  Rocket XXXX  ) without proper, consistent, or verifiable notices I did not receive clear or timely Notices of Transfer of Servicing for each transfer, as required by federal law A new loan number was introduced without reconciliation to the original XXXX note None of the entities have clearly identified the current owner of the promissory note Billing and potential credit reporting appear to be occurring without verified standing or enforcement authority Conflicting servicing records raise concerns about misapplied payments, inaccurate balances, and unreliable data transfers Steps I Have Taken Sent a Qualified Written Request ( QWR ) to Rocket Mortgage and XXXX XXXX XXXX  demanding proof of standing, servicing authority, and chain of title Sent a written demand to XXXX requesting confirmation of assignment, transfer, or satisfaction of the promissory note Requested documentation reconciling all loan numbers and servicing records Attempted to clarify the role of XXXX  XXXX XXXX, which previously serviced the original loan As of this complaint, the matter remains unresolved. 

What I Am Requesting I respectfully request that the CFPB require the respondents to : Identify the current lawful owner of the promissory note Produce documentary proof of standing and enforcement authority Provide a complete and accurate servicing transfer history, including XXXX  XXXX XXXX  ReconcXXXXle all loan numbers with the original note Correct or cease any billing or reporting activity until lawful authority is established

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cedars Business Services, LLC
State: LA

Complaint narrative:
Ive received multiple mailed collection notices claiming I owe XXXX to the XXXX XXXX XXXX, XXXX, for a traffic violation. The letter was sent by Cedars Business Services and included a payment portal ( Pay.Myfines.it ), login credentials, and international bank transfer details. 

I believe this is fraudulent because : Italian municipal fines are not collected by U.S.-based private debt collectors.

The letter included login credentials, which is highly suspicious. 
The payment portal and bank details appear inconsistent with official government processes. 

I did not authorize any debt and have not made any payment. I am reporting this to prevent others from being targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just want to Follow up this to formally dispute and request correction of certain information currently appearing on my credit report. After carefully reviewing my file, I noticed that several items are being reported in a manner that does not fully or accurately reflect the true status and history of my accounts. Under the Fair Credit Reporting Act, I am exercising my right to dispute inaccurate, incomplete, and misleading information and to request that my credit file be updated to reflect accurate and complete data.First, my file currently reflects an address that does not belong to me and is not associated with my credit history. The addresses listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX is inaccurate and should be corrected, as it does not represent my true or current residence. Reporting incorrect identifying information creates a risk of mixed or incomplete credit files and does not meet the accuracy standards required under the Fair Credit Reporting Act.In addition, there are account payment statuses that are being reported in a manner that does not accurately reflect the full and current standing of the accounts. The XXXX account number ending XXXX with a balance of {$7600.00}, opened on XX/XX/XXXX, and showing a most recent payment on XX/XX/XXXX, is currently reflected with late payment history. Similarly, the XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number ending XXXX with a balance of {$1100.00}, opened on XX/XX/XXXX, and showing a last payment on XX/XX/XXXX, is being reported as late while open. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number ending XXXX that is reported as closed with a XXXX balance but still tied to adverse payment history should be reviewed for accuracy and consistency. Since this account reflects a {$0.00} balance and is no longer open, its reporting should accurately align with its final status and reflect a paid and properly resolved account, consistent with FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation and correct any inaccurate or incomplete information. Pursuant to 15 U.S.C. 1666 and 15 U.S.C. 1666a, consumers are entitled to the correction of billing errors and to fair treatment while an account is under dispute. Additionally, FCRA 611 ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable reinvestigation of any information that is disputed and to ensure that only information that is verified as accurate and complete remains on a consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am filing this complaint due to Shellpoint Mortgage Servicings ongoing mishandling of my mortgage account, including escrow mismanagement, lack of transparency, failure to provide complete payment histories, and repeated servicing errors that have caused financial harm, confusion, and emotional distress. 

Shellpoint has repeatedly failed to provide a full and accurate accounting of my mortgage payments, escrow calculations, and transaction history, despite multiple written requests. 
I have requested a complete mortgage and escrow history, including how payments were applied, how escrow shortages were calculated, and why balances and monthly payments have changed. Shellpoint has ignored these requests or provided incomplete and inconsistent information. 
Shellpoint has also issued notices reflecting unexplained escrow shortages and payment increases without proper documentation. These shortages appear to be the result of servicing errors, not borrower fault. 
This conduct reflects poor servicing practices and potential violations of federal mortgage servicing requirements, including RESPA response and accounting obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MI

Complaint narrative:
I am disputing the validity of an alleged debt originally associated with XXXX XXXX XXXX. Approximately one year ago, I received a notice from a thirdparty collection agency attempting to collect on this same account. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested full validation of the debt. The previous collection agency failed to provide the required documentation and subsequently removed the account from my credit report and ceased all collection activity. 

Despite this, I have now been contacted by a different collection agency attempting to collect on the same alleged debt. This account has already been disputed and was previously removed due to lack of validation. Any new collector must provide complete and independent validation before engaging in any collection activity or reporting to the credit bureaus. Reaging, rereporting, or continuing collection efforts without proper validation would constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I do not acknowledge this debt and request that all collection activity stop until full validation is provided. If validation can not be produced, this account must not be reported or verified with any credit reporting agency and must be permanently removed from any consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, a charge of {$560.00} was posted to my Capital One credit card for a refurbished XXXX XXXX purchased through XXXX ( XXXX XXXX : BREED ). 

After receiving and beginning normal use of the device, it exhibited a defect : it repeatedly powered on and off and did not operate as expected. I promptly contacted XXXX XXXX and the seller to report the issue. In written correspondence, the seller acknowledged that the device was not operating as expected. 

I then filed a billing dispute with Capital One. Capital One issued a provisional credit and requested additional documentation, which I provided through their dispute portal. Despite this, Capital One closed the dispute and rebilled my account, relying on the merchants assertion that the item was received in good condition.

The issue is that the merchants own dispute submission contains a contradiction : while the merchant summary states the item was received in good condition, the sellers written correspondence submitted as evidence acknowledges the device was not operating as expected. Capital One closed the dispute without reconciling this internal inconsistency in the merchants evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
During the summer of XXXX, I sent XXXX separate payments totaling {$5500.00} via XXXX to an individual in connection with the purchase of a truck camper. The merchant specifically requested that payment be made via XXXX. The camper was never delivered. 

It has since been established through law enforcement proceedings that the recipient was indicted for fraud-related offenses in XXXX, was out on bail at the time these XXXX transactions occurred, and has since been convicted and incarcerated for theft-related crimes. These transactions were part of a broader, documented fraud scheme involving multiple victims. 

I contacted XXXX  to report the fraud and request escalation and reimbursement. XXXX denied the request, citing its peer-to-peer payment policy, and did not indicate that the matter was reviewed beyond standard customer support. I submitted a formal written escalation requesting compliance review ; however, XXXX listed support and legal email addresses returned automated responses stating they are not monitored. 

I am requesting regulatory review of XXXX handling of these transactions, including its oversight and monitoring of an account operated by an indicted individual who was out on bail, and its refusal to conduct a compliance review or reconsider reimbursement in light of documented criminal activity. 

Thank you for your consideration.

Company response to consumer: Closed with explanation