vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have been receiving calls and emails from the company everyday for a while now. They keep calling me and it is becoming very abusive.

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 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received notice from XXXX that an unpaid bill had been sent to collections. This bill was less than a week old. The company sent me information was called TSI Transworld Systems Inc. I repeatedly struggled with their website which asked for way more information that was acceptable and repeatedly demanded that I provide a large amount of private information that I did not want to give them just to pay them {$20.00}. When I called them I spoke with a person who repeatedly tried to effectively XXXX mail us by saying that I could pay XXXX an extra fee to make sure that this report to collections didn't get shown on my credit report. XXXX wanted to solicit a bribe from us in the form of extra payment under the XXXX  of filing this against our official credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
These accounts are unfamiliar to me and appear to be fraudulent. I ask that you conduct a thorough investigation and delete them from my credit file. Relevant documents are enclosed.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TexCap Financial, LLC
State: MS

Complaint narrative:
XXXX XXXX called at XXXX todays asking to have me sign for legal documents claimed to be a process server saying it was regarding a company called XXXX Contacted XXXX and XXXX XXXX, they denied calling or having a process server contact me that it was a scam Contacted a legal aid today and was told that it was probably a scam as well but it could be XXXX and XXXX but the lady denied when I called XXXX and XXXX XXXX texcap they are no longer a company and switched to XXXX  XXXX XXXX XXXX Then gave me XXXXXXXX XXXX XXXX  number which is actually no XXXX XXXX and they didnt answer.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXXXX XX/XX/XXXX XXXX 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 2025-07-28 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXXXX/XX/year>, Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had unauthorized activity on my Paypal XXXX   account. PayPal recovered part of the funds. Now they say I owe them the cash for the XXXX  credits they gave me. I had XXXX XXXX that were sold. Now I have a basket of XXXX and PayPal cash. In order to even access this XXXX  I have to pay PayPal over $ XXXX dollars to access the {$18000.00} I currently have. The debit and credits don't make any sense. PayPal has restricted my account until I pay them $ XXXX, All I did was report unauthorized activity. Now I'm being extorted in order to use my PayPal account or get access to the XXXX  in that account. No one can assist all they do is tell me I have to pay. They will say a supervisor will call me back but no one ever does. Who has $ XXXX to spend to then sell their XXXX  to regain the money they just spent to pay PayPal. This is the definition of extortion. I don't have any info on what happened how this happened where my the difference in my funds went. I'm just told I have to pay {$12.00} XXXX dollars. I would like my PayPal account back I would like the correct debits and credits placed on my account so I have XXXX XXXX  or the difference in the loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
Consumer Financial Protection Bureau COMPLAINT AGAINST SELECT PORTFOLIO SERVICING STATEMENT OF THE CASE Nature of the action and relief sought This is a complaint against Select Portfolio Servicing for Breach of Contract, filing for a Sheriff sale on the Complainants property without cause, during an automatic stay, illegally withholding tax proceeds from the sale of the Complainants property and harassing, oppressive and abusive conduct.

1. Claims 1. SPS breached the mortgage contract between the Complainant and SPS when the Complainant cured the default on her mortgage on or about XX/XX/XXXX. At the time SPS had a foreclosure judgment against the Complainant. In the mortgage contract Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lenders judgment, precludes forfeiture of the property or other material impairment of Lenders interest in the property or rights under this security instrument. 
The XXXX  Attorney General forced SPS to cancel the Sheriff sale and Dismiss the Foreclosure Judgement against the Complainant, case # XXXX. 
2. SPS breached the mortgage contract when SPS did not pay the Complainants XXXX property taxes which were due on XX/XX/XXXX. 
3. SPS breached the mortgage contract when SPS did not pay the Complainants XXXX property taxes which were due on XX/XX/XXXX and the hazard insurance. 
4. SPS breached the mortgage closing contract when SPS was paid for the XXXX taxes due on XX/XX/XXXX and the hazard insurance due on the Complainants property but did not disburse the funds they were paid in the closing of the sale of the Complainants residence. The tax and insurance money were taken out twice, once paid to SPS to pay and the second time by the title company just in case SPS didnt pay the taxes and insurance like they hadnt in the past. Whichever entity paid out the taxes and insurance, the other entity was supposed to reimburse the Complainant and SPS is still holding on to those funds.

5. The SPS breached the mortgage contract when the SPS filed for a Sheriff sale on or about XX/XX/XXXX even though the Complainants defaulted mortgage had been cured on or about XX/XX/XXXX and there was an Automatic stay was still in effect.

6. The Complainant has endured a lot of harassment by the SPSs due to the items stated above and believes she is entitled to monetary compensation for said harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I hold a XXXX  account with Citibank. On XXXX separate occasions, my account was abruptly frozen when I attempted to initiate outgoing transfers. The XXXX  incident occurred when I attempted to transfer {$25000.00}, and the XXXX  when I attempted to transfer only {$5000.00}. In both cases, Citibank froze my account without warning, preventing me from accessing my own funds. 

After the XXXX incident, I contacted Citibank to understand why my account was flagged and frozen. The representative could not provide a clear explanation and only advised me not to transfer large amounts of money. This response is deeply concerning and appears to contradict both the terms of my account agreement and federal banking regulations, which do not impose arbitrary limitations on lawful transfers from checking accounts. 

Despite reducing the transfer amount to just {$5000.00} the second time, my account was frozen again, suggesting a pattern of unreasonable and unexplained restrictions on access to my own funds. I believe Citibanks repeated actions are unjustified, lack transparency, and XXXX constitute unfair or deceptive banking practices. 

I am requesting a formal investigation into XXXX account freezing practices and their failure to provide adequate justification or remedies for these disruptions.

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 monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Ive been having an issue with XXXX XXXX since XX/XX/year> I was sent a letter stating to call the bank regarding them putting a freeze on my online access and to give them a call so that they can unlock my account. I then call the banks XXXX number on the back for Customer Service them telling me that Someone at the bank had made the decision to close my account. I called today XX/XX/year> with them telling me that my account is opened however they are still trying to make the decision on whether theyre going to close my account or not. I dont even want the account anymore. I just want my funds out of the account that they are holding onto it has been over a month and Ive been getting the runaround for over a month. I would like some help regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I was searching for a relief loan, went through an entire process. I had a soft pull inquiry that preapproved me of a loan for {$400.00}. I then decided to wait a few days deciding on repayment for XXXX or 9 months as I was being bombarded with emails and text regarding my loan approval expiration date being XX/XX/XXXX. I today XX/XX/XXXX decided to accept the loan, however it initiated a hard pull and then denied me of the loan. I understand I was behind on a few bills hence asking for a relief loan to catch up. All in all, I feel like it was a bait trap to steal my personal info to sell to other businesses as I've been bombarded with numerous scam calls and emails about loans and feel very uncertain about XXXXXXXX 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 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX  - Account not mine

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 2025-07-28 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 explanation
Consumer complaint received 2025-07-28 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX (Account # XXXX XXXX XXXX (Account # XXXX XXXX  (Account # XXXX XXXX  (Account # XXXX XXXX (Account # XXXX   has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  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
Consumer complaint received 2025-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year>

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 2025-07-28 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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts & hard inquiries on my credit report. I am a verified victim of the XXXX XXXX Data Breach, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization. 

The accounts being disputed were opened without my knowledge or consent and must be removed immediately.

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