vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Our position is the entire mortgage was paid off in XXXX, XXXX. They are claiming we still owe money. 
Here 's what happened : The mortgage maturity date was XXXX, XXXX. In XXXX ( XXXX ), we applied for a loan modification. This continued until XXXX ( XXXX ) when we were denied, due to inaccurate and inconsistent responses from their agents. We appealed the decision, and were again denied. * Times, dates, agent ID numbers, and conversations are all documented. We continued making our payments throughout. 
Fast-forward to XXXX ( XXXX ), we again tried a loan modification. After 1 month of the same issues experienced previously, we stopped the process. XXXX ( XXXX ), they stopped taking our payments. * * Payments were automatically withdrawn from our account. This process, according to the COMPANY 'S rules and guidelines, can only be canceled by correspondence in WRITING. That never happened. At this point, we decided to just pay off the entire loan. We decided to refinance with our primary mortgage company, and as we were about to sign the final document for the check, we were reported in DEFAULT. We ( and our primary mortgage company ) asked to have the default removed so we could get the check to pay the entire balance, and the refused. Now we are listed in default, which was caused by the mortgage company, not us. Next, we were told we could make an offer to " cure the debt '' with a " short pay ''. We made an offer in XXXX ( XXXX ), and were denied. Frustrated, we decided to just borrow the entire amount due, and pay off the mortgage. We called the company in the beginning of XXXX ( XXXX ), and spoke to an agent requesting the total amount due. He gave us the amount. We called the company one more time on XX/XX/XXXX ( XXXX ) from the bank, to confirm the total amount due. We were given the exact same amount as the previous week, which we then wired to the company. We called the next day to confirm receipt again, and were told funds were received, and the account was paid. We called the company the in XXXX ( XXXX ) to make sure all was good, and were told " yes, the account has been Paid. You should be receiving confirmation documents in the mail shortly. Nothing received. We checked again in XXXX ( XXXX ) and were told the same thing. The next time we were contacted by the company, they were asking for money, stating the account was NOT paid in full. We are frustrated and harassed with this entire situation. We have tried to resolve this issue for the last 2 years, and are now being threatened with foreclosure. We have spoken with their advocacy department, Ombudsman department, and even the BBB. The company replies only to certain items, and does not respond or own up to inaccurate and fraudulent practices by their company. We could really use your assistance in resolving this issue and keeping our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$100.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$200.00} Other Identity Theft Company or Organization : XXXX  XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$250.00}

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts on my Equifax credit report as of XX/XX/year>. These accounts are inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). I request that you investigate these items promptly and remove or correct them as necessary. 
The following accounts are being disputed : Disputed Accounts : 1. XXXX XXXX XXXX o Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection, Installment, Negative o Balance : {$2500.00} o Dispute Reason : Account reported inaccurately as open when it should be marked as resolved. 
Inconsistent payment history, requiring an update to reflect the actual payment dates and amounts. 
2. XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Collection, Installment, Negative o Balance : {$1200.00} o Dispute Reason : The account is inaccurately listed as open when it should be marked as closed. 
There are discrepancies in the reported balance and payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: UPGRADE, INC.
State: WA

Complaint narrative:
On XXXX 2025 a purchase was made on a credit card with a card number which I never had. Some how it was run through and {$1300.00} was charged to Me. Now UPLIFT INCXXXX has been harassing me and turned in a negative report to XXXX  which has lowered my credit score.

I have bank statements for the time it was supposedly purchased and my bank has no records of any purchase for that amount. XXXX  XXXX has no record of us purchasing any airline tickets in our name. 











.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am requesting your assistance in addressing these accounts, which were not established by me and appear fraudulent. Please refer to the attached documents for confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing to formally dispute certain accounts, inquiries, and late payments that appear on my credit report. I respectfully request a thorough investigation of the following discrepancies, as they appear to be inaccurate or incomplete. These issues are negatively impacting my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$490.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4600.00} Late Payments XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
For the past two weeks, I have been unable to add money to my PayPal account. The issue began around XX/XX/year>. Each time I attempt to add funds, the system blocks the transaction without giving any reason or error code. 

To resolve the issue, I closed my previous PayPal account on or around XX/XX/year>, believing it might be an account-specific problem. I then opened a new PayPal account, but the exact same problem continues, and I still can not add money. 

I contacted PayPal support multiple times, but they have not provided a clear explanation or a solution. They only tell me to " try again later, '' which has not worked for over two weeks. No transactions were completed, so no amounts were processed. 

It appears that my profile or identity may be incorrectly flagged in PayPal 's system, since the issue persists across multiple accounts. I am requesting a full investigation into why PayPal is preventing me from adding funds and for the I resolved. restriction to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
b'Transunion XXXX  department I no longer challenge accuracy of accounts any more please remove remarks on each account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXplease remove these phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease respond through the CFPB'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loan is currently paid and in good standing, but Nelnet reported several late payment that I believe is inaccurate. I have requested verification, but was told they do not process goodwill adjustments. 

I am requesting an investigation to verify the accuracy of this delinquency, including proof of the date, the actual payment posting, and supporting documentation. If Nelnet can not validate the reporting with original records, please have the credit bureaus remove the late payments. This is my first time ever getting late payments on my student loans after a period of paying them back every month. This has tanked my credit score and I would like an official investigation, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These accounts are inaccurate, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX CARD XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATE, I HAD AN AUTO LOAN WITH XXXX XXXX XXXX XXXX XXXXXXXX AND VEHICLE WAS STOLEN AND THE INSURANCE COMPANY THAT I HAD PAID XXXX XXXX XXXX  ACCOUNT IN FULL BUT XXXX XXXX XXXX  IS REPORTING LATE BUT THEY RECEIVED AND TOOK KNOWLEGMENT OF THE PAYMENT FROM INSURANCE COMPANY, THEREFORE NO LATE SHOULD HAVE BEEN POSTED TO MY CREDIT REPORT DUE TO THE FACT XXXX XXXX XXXX TO RESPONSIBLITY OF THE PAID ACCOUNT ONCE RECIEVED THE FUNDS FROM THE INSURANCE COMPANY CLAIM. THIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATETHIS IS AUTO LOAN ACCOUNT WAS NEVER OR EVER BEEN LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Someone fraudulently used my personal information to open credit card accounts without my knowledge or authorization. The unauthorized accounts identified to date include an XXXX XXXX card and a JPMC credit card. I have filed an official police report regarding this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$16000.00} XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 2025-11-19 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/year>, a personal loan was fraudulently opened in my name without my authorization or knowledge. I immediately initiated dispute procedures consistent with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-1 and 1681i, by submitting fraud alerts and disputes to the nationwide credit bureaus. I also notified the issuing financial institution, USAA, pursuant to its obligations under the Truth in Lending Act ( TILA ) and Regulation Z, 12 C.F.R. 1026.12 ( b ), which governs unauthorized use and creditor responsibilities. 

Despite multiple reports, USAA has not provided a formal determination or resolution. Over the course of several weeks, I made numerous one-hour-plus calls attempting to obtain status updates, submit required documents, and request closure of the fraudulent account. USAA representatives have repeatedly advised that the investigation remains under review, but no written findings, explanations, or outcomes have been issued, which is inconsistent with the creditors duty to conduct a reasonable investigation under FCRA 1681s-2 ( b ) and provide timely written notice. 

Current Impact The fraudulent loan continues to appear on my credit reports, adversely affecting my creditworthiness and creating ongoing financial harm. Because USAA has not issued a determination, I am unable to secure removal of the account, complete identity-theft recovery steps, or obtain verification for law-enforcement reporting. 


I have acted promptly, followed all statutory dispute procedures, and made every reasonable attempt to resolve this matter directly with the creditor. USAA has not met its regulatory obligations, and I am seeking CFPB intervention to compel compliance and remedy the ongoing harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 am submitting this complaint because inaccurate and unverifiable information continues to appear on my credit reports. I am requesting that the Consumer Financial Protection Bureau assist in having the credit reporting agencies conduct a proper investigation and remove or correct these items in accordance with the Fair Credit Reporting Act ( FCRA ) .Disputed Accounts Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are also being inaccurately reported as charged off. I request documentation verifying the charge-off claim or, if unavailable, immediate deletion. 

Disputed Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate payment reporting. Request verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate late payment reporting. Request verification and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief