vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
b"Chase,\n Account XXXXn After letters sent & (8) phone calls, YOUR STILL CHEATING ME\n\n AS OF XXXX I CONTRACTED STATE FARM T0 BE MY NEW INSURANCE, THIS\n PROVIDES BOTH HOMEOWNERS & HURRICANE (WIND & HAIL DAMAGE) ON ONE POLICY FOR XXXX A MONTH\n \nI ALSO AT THE SAME TIME,I CANCELLED XXXX XXXX P0LICY'S XXXX,BECAUSE  LIKE YOU THEY CHEATED ME, WHICH WAS XXXX  A YEAR FOR HOMEOWNERS & XXXX FOR HURRICANE XXXX A YEAR TOTAL FOR BOTH\n \n I AM  DEMANDINDING/ORDERING YOU NEVER GIVE XXXX XXXX\n ANOTHER NICKEL OF MY MONEY, I  REFUSE 100% T0 PAY THEM  ANYTHING\nTHEY WERE CANCELLED XXXX\n\n WHY WAS I NEVER TOLD MY PAYMENT WAS GOING UP ?\n\n WHY AFTER XXXX XXXX  YEARS 0F MAKING PAYMENTS T0 YOU EVERY MONTH 0N   TIME, SUDDENLY THERE IS NO MONEY IN MY ESCROW ACCOUNT ?\n \n HOW COULD I HAVE AN  EMPTY ESCROW ACCOUNT WHEN I  PAY YOU  EVERY MONTH ?\n\n MY ONLY CHANGE, WASCHANGING INSURANCE COMPANIES INCREASING THE\nYEARLY COST TO XXXX  A YEAR, XXXX XXXX XXXX A YEAR IS ONLY XXXX  A MONTH NOT XXXXn \n MV MORTGAGE IS XXXX  PRINCIPAL & INTEREST XXXX PLUS XXXX\n NOW YOU WANT XXXX PLUS XXXX XXXX\n\n XXXX  WERE--REFUNDED XXXX FROM XXXX XXXX XXXX WHICH|\n SHOULD HAVE GONE BACK INTO MY ESCROW ACCOUNT"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This debt has been sold to a third-party collection agency and now reporting on my credit as deragatory it was from XXXX but has been Sold to credit collection services, which means the original creditor no longer owns or services this account. According to the Fair Credit Reporting Act ( FCRA ), once an account is sold or transferred, it must be updated to reflect a {$0.00} balance with the original creditor, and duplicate reporting must not occur between original and collection accounts .FCCPA ( Fla. Stat. 559.72 ) FCRA ( 15 U.S.C. 1681s-2 ) FDCPA ( 15 U.S.C. 1692e, 1692f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX 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 XXXXXX/XX/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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
In 2021, I was scammed through a crypto XXXX transaction involving PayPal. A fraudster sent XXXX payments totaling {$8000.00} for my XXXX  via PayPal and then falsely filed claims under " unauthorized transaction '' to reverse all payments after receiving the crypto. 

Despite providing full evidenceincluding transaction records, conversation logs, delivery confirmations, and proof that the buyer was a known scammerPayPal sided with the fraudster and refunded them. Only XXXX transaction ( {$4000.00} ) was temporarily returned to me after appeal, but the fraudster then disputed again, and PayPal reversed that refund as well. 

I lost {$4000.00} directly, and more importantly, I suffered extreme psychological and emotional trauma. I was mentally devastated. It was the first financial scam I ever experienced, and I spent weeks in stress and confusion, trying to prove my innocence through countless messages and phone calls with PayPalall in vain. 

To this day, I feel a physical sense of anxiety and nausea whenever I see the PayPal logo. It is not just financial damage. It permanently destroyed my trust in the platform. 

What makes this worse is that the fraudster who scammed me is now turning the tables and has involved a collection agency, which has been harassing me with emails and threats, attempting to retrieve the {$4000.00} that was once refunded to me before PayPal reversed it again. 

I do not owe PayPal anything. 
I am the victim. PayPal has failed me as a platform. There was no seller protection, no real review process, and no transparency. 

This is not just about money anymorethis is about how a global company completely failed to protect an innocent user, and then allowed a scammer to weaponize their own system against me. 

I urge the CFPB to review this complaint and at the very least, register this case as an official record of how PayPal handles crypto-related fraud and turns away from victims. I request full removal of any remaining collection claims associated with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX 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 XXXXXX/XX/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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion and Experian for failing to remove unauthorized hard inquiries resulting from identity theft, despite my prior disputes and providing an FTC Identity Theft Report ( Report # XXXX ). These inquiries are harming my credit profile and privacy rights under the Fair Credit Reporting Act ( FCRA ). 



On XX/XX/XXXX, I discovered that unauthorized hard inquiries had been made on my TransUnion report by XXXX, XXXX XXXX, and XXXX XXXX without my knowledge or consent. Around the same time, on XXXX XXXX XXXX additional unauthorized hard inquiries appeared on my Experian report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. I also noticed that an unauthorized inquiry by XXXX XXXX XXXX  was placed on my Experian report on XX/XX/XXXX. On XX/XX/XXXX, I sent dispute letters to both TransUnion and Experian demanding that these unauthorized inquiries be removed and included my FTC Identity Theft Report ( Report # XXXX ) to support my claim of identity theft. Despite these steps and my prior disputes, these unauthorized hard inquiries remain on my credit reports, violating my rights under the Fair Credit Reporting Act, including the permissible purpose requirements under 604 and the protections provided under 611 and 605B related to identity theft and unauthorized reporting. 



Under the Fair Credit Reporting Act, specifically 604 ( 15 U.S.C. 1681b ), my consumer report can only be furnished with my direct authorization, which I did not provide for these inquiries. Additionally, under 605B, the credit bureaus are required to block fraudulent information when they receive an identity theft report, which I have already provided to them. I also have the right under 611 to dispute any inaccurate information on my credit reports and to expect a timely reinvestigation and resolution. By continuing to report these unauthorized hard inquiries despite receiving my FTC Identity Theft Report and dispute letters, TransUnion and Experian are violating my rights to privacy and fair reporting under the FCRA, and I am requesting immediate corrective action to protect my consumer rights.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is personal information on my credit report that is inaccurate and outdated. This includes old addresses and job information that I did not authorize to be listed. I never gave your agency permission to report my employer information. 

I have submitted disputes requesting that this personal information be corrected or removed, but it is still being reported. I want the incorrect addresses and job information removed immediately and my personal data updated accurately.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is personal information on my credit report that is inaccurate and outdated. This includes old addresses and job information that I did not authorize to be listed. I never gave your agency permission to report my employer information. 

I have submitted disputes requesting that this personal information be corrected or removed, but it is still being reported. I want the incorrect addresses and job information removed immediately and my personal data updated accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
on XX/XX/2024 I received some authorize transaction on my card when I checked online banking there was a message saying it was an error and the account balance was incorrect. I waited to next day to call and they ask me to dispute

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 2025-06-28 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: CA

Complaint narrative:
I want to be absolutely clearthis complaint is not made in error. My credit report contains inaccurate information that fails to meet the required standards of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial well-being, and the consequences are far-reaching and deeply distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
I am filing a formal complaint against Digital Federal Credit Union ( DCU ) regarding a vehicle loan transaction from XX/XX/XXXX, in which I was added as a co-signer under deceptive and misleading conditions. 

Originally, XXXX XXXX XXXX XXXX went to apply for a personal loan to get the money to buy my XXXX XXXX XXXX. When that was denied, DCU changed the loan to an auto-secured loan, without informing me that the vehicle was now listed as my XXXX XXXX XXXX XXXX XXXX I never offered, sold, or transferred. 

A Portuguese-speaking DCU employee ( whose name they refuse to disclose ) instructed to send a sales receipt, which I created and submitted for the XXXX XXXX XXXX I was working at the time and busy, and was told vaguely well figure it out. 

Later, I signed documents electronically without understanding that the XXXX was used. I was never informed the XXXX sales receipt had been disregarded. 

DCU refuses to provide call recordings, employee identities, or internal documentation, even after I requested them citing TILA ( 15 USC 1631 ) and FCRA ( 15 USC 1681g ).

This resulted in a lien on a car I never agreed to finance, credit damage ( score dropped significantly ), and a forced payment of {$2700.00} to get my title back.

My formal complaint letter and DCUs response are attached.

Im requesting full transparency and compensation.

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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX flagged my XXXX received payment as fraud and it wasnt fraud and after verifiying with the third party who sent it and provided proof Truist still not willing to fix their mess up

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UPGRADE, INC.
State: AL

Complaint narrative:
I had an " Upgrade Bitcoin Reward '' credit card. 
I used it and paid on it with no issue and the bitcoin rewards would come no problem. Sometime around XX/XX/year> they had to stop issuing rewards points in bitcoin. 
that's fine. 

but on XX/XX/year> they redeemed the bitcoin automatically without my consent. 
it worked out to be XXXX or so dollars. 

I never would have redeemed it. 
If I still held the amount XXXX btc today, it would cover the balance of the card. 

this card is on autopay with no option not to autopay, so I don't keep as close an eye on it as I do my others. 

I acknowledge the right and need for them to discontinue this rewards program, but I don't think it's right for them to just up and cash out the XXXX without my say. 

Is this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I noticed a {$24.00} charge from Experian on my credit card and disputed it. The took it off and did an investigation. Meanwhile I have been trying to find a way to cancel it but I can never find it and all it says is that I need to pay it. The charge was added back to my credit card and I can still find no way to cancel it. I have called too and the AI refuses to cancel it and refuses to let me talk to a human. No matter how I log on n there is. I way to get past the page wanting me to pay.

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 2025-06-28 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: OK

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: OK

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief