vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company # XXXX : XXXX XXXX XXXX XXXX XXXX Issue : Incorrect late payment due to administrative error I am disputing a 30-day late payment reported by XXXX XXXX XXXX XXXX XXXX on my auto loan ( account opened XX/XX/XXXX ). The late payment is reflected on both my XXXX  and XXXX  reports in XXXX and XX/XX/XXXX, despite the fact that the delay was due to an incorrect mailing address associated with the account. I never received billing statements or notices. My mail was returned to sender, and I could not access my account online to make payments.

After discovering this error, I paid the balance immediately and set up auto-pay. My payment history is otherwise excellent, and this negative mark is the direct result of a preventable administrative mistake. I have contacted the lender and requested a goodwill adjustment, but I am now escalating to the CFPB to assist in reviewing this request. This derogatory item is not a true reflection of my credit behavior.

Company # XXXX : SYNCB / PayPal Issue : Fraudulent account I am also disputing a SYNCB/PayPal account ( opened XX/XX/XXXX, and closed XX/XX/XXXX ) that appears on my credit reports with a 90-day delinquency reported in XX/XX/XXXX. This account is fraudulent I did not authorize it, nor did I

make any purchases. I became aware of the account only after seeing it reported. I have contacted SYNCB/PayPal and initiated a fraud claim. I am requesting the removal of this account from my credit file as I was a victim of identity theft or account takeover. This has significantly harmed my credit score and caused additional stress. I would like the CFPBs help ensuring this is thoroughly investigated and removed from all reports.

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 2025-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am behind on my mortgage and had previously submitted documents for mortgage assistance. I was contacted by a new representative at Shellpoint who told me over the phone about a possible trial modificationbut I have not received anything in writing. The terms she shared are completely unaffordable : my payment would increase from approximately {$1000.00} to {$1600.00} per month, and I would be required to pay {$1900.00} upfront just to begin the trial. I can not afford these terms, and no explanation was given about how they were calculated or why the payment would be so high. 


I was also told that my loan modification is still under reviewnot officially offeredand then shortly afterward, I was contacted by another Shellpoint representative to schedule an internal home inspection. I am extremely concerned that this inspection will be used as justification to deny me assistance, especially since I have not yet received a formal offer or response in writing. 


My home is in livable condition but has deferred maintenance due to financial hardship, including roof damage, a broken window, and unfinished bathroom repairs. I fear that Shellpoint is using the condition of the home as a way to disqualify me, despite me doing everything I can to stay current and keep my home. I feel that I'm being set up to fail rather than being offered a real opportunity to get back on track. 


I have been informed that XXXX XXXX XXXX XXXX XXXX is the investor on my loan, and I believe they are ultimately responsible for approving or denying any modification terms offered by Shellpoint. 


I previously filed a complaint with the CFPB due to XXXX  mishandling of my mortgage assistance case, including poor communication, lack of updates, and failure to leave voicemail messages. That complaint was marked closed after they updated my contact settings and assigned a new point of contact. However, this current complaint is unrelated and concerns the unaffordable trial modification terms I was told about over the phone and the internal inspection being scheduled before Ive received any written offer or explanation.

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 2025-04-11 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: EdFinancial Services
State: MI

Complaint narrative:
My personal and financial data was compromised using FERPA. I request full cancellation of my student loan and other debt. Resulting in {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My personal and financial data was compromised using FERPA. I request full cancellation of my student loan and other debt. Resulting in {$15000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CITIBANK, N.A.

Complaint narrative:
XXXX a police report, with Citi bank credit card. Sent to them. And now my XXXX XXXX has dropped XXXX points I cant tell you when it was open.. my wife saw it on her credit report as well and file a police report for behalf of us

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Multiple fraudulent transactions from my cash app card from a merchant in different states tried to fight it but a 4 day investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed by someone and sent money through CashApp. I contacted CashApp support to try and help me resolve the case snd hopefully get a refund, but was told I had to call my bank. The specific amount was {$60.00} sent on XX/XX/year>. My account XXXX XXXXXXXX transferred {$60.00} and was scammed out of my the money by not receiving the promised purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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, CHALLENGED OR NOT.

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 2025-04-11 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:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : 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 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dont remember dates but the service wasn't really good at the time. I called a few times and nothing changed so I went to a new provider. I called and told the company that I am transferring service and number to a new provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-11 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} COLLECTION ( Original Creditor : COLLECTION ) XXXX  BALANCED {$4400.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes to Experian regarding the inaccurate and unverifiable reporting of a XXXX XXXX XXXX account. Despite this being my third formal dispute, Experian has failed to take corrective action and continues to report false and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). 

The XXXX  account is reported with : 70 consecutive months of delinquency ( potential illegal re-aging ) Same value listed as balance and past due ( {$26000.00} ) No Date of First Delinquency ( DOFD ) reported Account not marked as disputed, despite my prior notices These are violations of : FCRA 1681s-2 ( a ) Inaccurate and incomplete furnishing FCRA 1681s-2 ( b ) Failure to reinvestigate FCRA 1681e ( b ) Failure to maintain maximum accuracy FCRA 1681c ( a ) Omitting DOFD and possibly furnishing obsolete information FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable data I also requested Experian to remove two inaccurate addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX My only valid address is : XXXX XXXX XXXX, XXXX XXXX TX XXXX Experian has failed to remove these addresses despite multiple formal requests.

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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IN

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Hunter Warfield Inc. in the amount of {$250.00}. The account is listed as opened on XX/XX/year>, and the original creditor is identified as XXXX XXXX. This charge appears to be related to an apartment application and not an actual lease agreement or period of tenancy. I was never provided with proper documentation or explanation justifying this balance, and I dispute the validity of the debt. I believe this account was sent to collections in error or without appropriate notice, and it is negatively affecting my credit. I am requesting that Hunter Warfield Inc. provide full documentation verifying the debt and its origin. If such verification can not be provided, I request that this account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-11 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: CA

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
This is my third complaint against Cash App ( Block, Inc. ) for repeated and unjustified account actions. On XX/XX/XXXX, my account was frozen without warning. I was required to complete a highly invasive verification process, including submitting biometric data, a photo ID, and images of both sides of my XXXXXXXX XXXX  debit card. Despite full compliance, my account remained restricted. Support provided only vague replies saying the issue was under review. 

Shortly afterward, I received a message that my account was permanently closed due to a vague violation of Terms of Service. No reason or explanation was given, and {$18.00} in my account remains frozen with no access or appeal process. 

In XXXX, I filed XXXX prior CFPB complaints ( # XXXX and # XXXX ) about the same issue. In XXXX instance, Cash App falsely claimed to the CFPB that my account was reinstated, when it remained restricted. After referencing those complaints to Cash App support recently, my account was closed again suggesting retaliation. 

This appears to be part of a broader pattern of account closures, misinformation, and fund withholding by Cash App, which may violate consumer protection laws and warrants investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ACCORDING TO 15 USC 1681XXXX - XXXX, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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