vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XXXX XXXX XXXX  I was notified by Venmo that Disbursement ID : XXXX was a deposit of {$510.00} from XXXX XXXX XXXX XXXX XXXX  Settlement Administrator XXXX. 

I have chatted and called and I get told to look in transactions is not showing there. 
I contacted the lawyers and they said Venmo has the money and needs to give it to me. 
I can not get through the XXXX to a human being. 
I emailed and got a response of " Your email ( XXXX ) has been received and is being reviewed by our support staff. Please allow XXXX business days for a response. '' on XX/XX/year> I emailed on XX/XX/year> asking for a response to the previous email. No response yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-09 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: GA

Complaint narrative:
Despite multiple requests, the company has failed to remove the address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX from my credit report. I have submitted supporting documentation clearly indicating that I am a victim of identity theft and do not reside at, nor have I ever authorized the use of, that address. I can not collect mail from this location, and its continued presence on my file poses an ongoing risk to my personal and financial security. 

Additionally, I am disputing the validity of the Department of Education XXXX XXXX account ( Account # XXXX ). I am requesting proof that this account belongs to me, as I have not authorized or taken out any such account. This account appears to be the result of fraudulent activity tied to the same identity theft incident, and I have already submitted documentation supporting my claim. 

The company refusal to remove this address and account, despite being provided the proper documentation, is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). I request the following : XXXX. Immediate removal of the address XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX from my credit report. My current address and only address that should be on my report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2. Verification and written proof that the XXXX XXXX  XXXX Account XXXX XXXX belongs to me. If proof can not be provided, the account must be deleted. 
3. A full reinvestigation of all disputed information.

4. A current copy of my credit report reflecting any and all updates following this reinvestigation.

5. Documentation of the sources Equifax & Experian used to verify the disputed information.

I request a prompt response and resolution to this matter. Failure to comply may result in further action, including the filing of formal complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies if necessary.

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 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
We made a payment on XX/XX/XXXX @ {$500.00} and it is not showing up on our account history. on XX/XX/XXXX only {$31.00} went to principal while {$260.00} went to interest. On XX/XX/XXXX, nothing went to principal and {$300.00} went to principal. The same is true on XX/XX/XXXX and XX/XX/XXXX. We feel we are being robbed by these people. No one answers the questions and the hold time is several hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I was scammed through Cash App in XXXX and lost {$1200.00}. I reported the fraud to my bank ( XXXX XXXX ), and after a full investigation, they ruled in my favor and issued a permanent refund. 

On XX/XX/XXXX, Cash App debited my account for {$1200.00}, placing my balance in the negative. They claim I owe the money back, even though I never received double funds the refund simply restored what I lost. 

Cash App refuses to acknowledge my banks ruling and continues to hold me responsible for money I never received twice. I have documentation confirming the final refund decision. 

I am requesting that the negative balance be removed and that Cash App stop attempting to collect money that I do not owe. 

Case number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX writing because theres a credit inquiry on my report from a company Ive never dealt with, never applied to, and most importantly never gave permission to access my credit.

At no point did I authorize this company to pull my credit report. I did not initiate any request, fill out any application, or give verbal or written consent for this inquiry. As far as Im concerned, this is an unauthorized and fraudulent action, and it has absolutely no legitimate reason to be on my credit file.

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 2025-06-09 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:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX , TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} Inquiries XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of a collection account listed by Credit Collection Services on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection account still being reported. I previously held an insurance policy with XXXX XXXX, which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Furthermore, the balance in question has since been paid, and I was advised that the account would be removed from my credit report. Its continued presence is both inaccurate and harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
So I have account on my credit report showing as charged off. So if the charge off is over XXXX $ I am required to receive a 1099c form which it is. So I requested a 1099c form I was told that I wouldnt be able to receive my form until my settlement is fully paid, so I told them you guys reported it as charged off so I should receive a 1099 form account has been charged off since 2023 they told me that my account is still active so I have a active account thats showing up as charged off and they cant change it to active and the original creditor name is not Listed on the charge off on my credit report also Im paying and they are not keeping track of my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: FL

Complaint narrative:
Good morning there, my house was paid in full but still showing deliquent on all my credit reports that effecting credit score please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My CD with Marcus Goldman Sachs matured on XX/XX/year>. 

I had indicated to Marcus Goldman Sachs that I wanted the CD funds transferred to another bank. The data for the transfer was communicated to a XXXX on XX/XX/year> and on several calls since then. 

Despite several calls that I made to Marcus Goldman Sachs and very long talks with their supervisors, they have not transferred my money to my other account as I have requested.

It is now 18 days after the date of maturity and the bank is still trying to honor my request but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. In XX/XX/XXXX, I entered into a hardship program with XXXX, requiring XXXX XXXX monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. Despite this, launch : Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. In XX/XX/XXXX, I entered into a hardship program with XXXX, requiring XXXX XXXX monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. Despite this, XXXXXXXX : Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

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 2025-06-09 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: SC

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX for reporting false credit information, harassing phone calls, and mishandling an approved hardship repayment plan. In XX/XX/XXXX, I entered into a hardship program with XXXX, requiring XXXX XXXX  monthly payments for three months. I made all payments on time, submitted all required documents, and received written confirmation that my account was in good standing with no full payment due until XX/XX/XXXX. Despite this, XXXX : Reported late and missed payments to all three credit bureaus Called me excessively ( 10+ times per day ), which violates FDCPA 806 Displayed inconsistent balances and due dates Ignored multiple calls I made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, where I spoke with a rep named XXXX who acknowledged the issue but failed to resolve it This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) failing to maintain accurate records FCRA 611 & 616 refusing to correct false data after notification FDCPA 806 harassing communications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Nations Info Corp
State: MA

Complaint narrative:
Fraudulent apartment scam sending a fake credit report website ( XXXX ) asking for personal information such as social security number. Was charged {$1.00} for trial of 7 days. Called business to cancel and appeared to resolve case. Many previous customers claim this is a fraudulent website for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I sent a cease & desist about fraudulent accounts reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is not my first complaint about this problem with this mortgage servicing company. For years the mortgage servicing company has been calculating my escrow account wrong and I am finally tired of dealing with it so I requested to have my escrow account removed. They refuse to respond or do anything about it. Every year they try to double charge me for my insurance and every year I have to fight with them to get it corrected. I sent in a request 4 months ago to have my escrow account removed so I can pay my insurance directly to avoid the constant errors. I have yet to get a response from them. I filed a similar complaint about this situation in XXXX of this year and they responded that they corrected it. That is not true because yesterday ( XX/XX/year> ) I received an email from them that they are double charging me for insurance again. Please do something about this!

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 2025-06-09 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief