vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have an old email that I was not aware of because I had not used it for at least 15 years. It appears that the fraudster reset this email password and logged in. Within that email there was information on an old paypal account that I also was not aware of. Fraudster used the paypal information to send funds from our bank account to paypal. 

From XXXX XXXX they moved money from our bank account 16 different times totalling {$14000.00}. On XX/XX/XXXX we first noticed the fraudulent transactions and returned {$9900.00}. This leaves {$4700.00} that they successfully transferred to paypal. 

The {$4700.00} was transferred out of paypal to the fraudster in XXXX transactions totaling {$4700.00} via a digital mastercard and cash app transactions to a XXXX XXXX and XXXX XXXX. 

Since that time I have had many phone calls and emails with paypal to resolve this. Paypal has proven they are not willing to look at the details to investigate the true nature of the incident. They are denying my claim because the transactions have the proper credentials. It makes sense that the fraudster would have the proper credentials because once they hacked into the old email and paypal account they had full control. Also looking at IP addresses would make it clear that the transactions came from IP addresses not affiliated with me in any way. 

I filed a police report and the local police were very helpful, however paypal did not provide them with the information they requested either. The XXXX on our case told us that paypal not providig the requested information is common. 

I am surprised that this account did not go into some sort of dormant status. It is clear from the transaction history that the only transactions in many years started abruptly when the fraudster took control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized/Unverified accounts and inquiries on my credit report

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized/Unverified accounts and inquiries on my credit report

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Accounts were paid requested to be removed. Items not reporting 100 % accurately. Please investigate and remove it under FCRA section XXXX. Dispute claim XXXX XXXX. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
This credit review doesnt take my genuine financial conduct into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Jp morgan chase closed my account and received my IRS refund and never send me a check see IRS documents. Deposit related issues unsolved. I am a victim of identity theft and Chase Bank denied me services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX  - XX/XX/year>XXXX XXXX XXXX XXXX - 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was hijacked by someone using only my email, ss and/or phone number. This information was found by someone online. The requirements for access to Experian are very light. 
Experian has a rotating computer assistant that asks questions but you are not able to correct these kinds of problems or connect to a human. It is basically for marketing and selling you products you don't want. You can not connect to a human at any time in the process. 
Phone numbers have been changed constantly over several months but no one will answer any phone numbers posted online for this problem. All calls are directed to the computerized assistant with I am stuck with the hacker having access to all my Experian information, and they have been using it to tamper with my credit take out loans or get jobs in the 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 explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
Disputed a closed account thats still reporting a balance due, and it keeps being verified as accurate even though its closed and paid across all other credit bureaus.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened these accounts, never authorized them, and was never informed of their presence. The inconsistent reporting across the XXXX bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting.

This situation also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees my right to complete and accurate disclosures of my credit file.

Supporting documents confirming my identity and evidence of the inaccuracies have been attached.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I reached out first on XX/XX/year> regarding the administrative forbearance and the communication that there was currently no interest accruing for XXXX plans while litigation was ongoing. I was assured the forbearance was interest-free. Several times after that I reached out, including XXXX time I held on the phone for several hours to speak to a live individual. She could see that I was being charged interest on certain accounts and assured me they would correct it. All in all, I sent XXXX communications and verbally spoke to someone once. When I paid off my loans this summer, I once again specifically asked that the interest be corrected before the accounts were paid and closed. They were not. They closed my accounts without ever updating the interest overcharge, despite the fact their last communication indicated they were in the process of updating accounts to reflect the 0 % interest that should have been charged. I have been unsuccessful in receiving a response from them or a correction/refund for my overpayment of interest that should not have been charged.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
My mortgage servicer, NewRez, failed to pay my town property taxes for the XXXX period despite sufficient funds in my escrow account. As a result, my property is now at risk of a tax XXXX. 
I have repeatedly contacted NewRez customer service, but I only receive conflicting explanations and empty promises of escalation. The town has confirmed that there is no issue on their end, and all required information ( lot number, tax account ) is correct. 
I am requesting immediate resolution : NewRez must pay the taxes from my escrow, confirm the removal of any penalties or XXXX  threats caused by their failure, and provide a written explanation of why this occurred and how they will prevent it in the future. 
I am submitting this complaint because repeated attempts to resolve this directly with NewRez have failed, and my home is in jeopardy due to their mismanagement. 
Desired Outcome : XXXX payment of taxes from escrow Confirmation that any penalties/interest/XXXX  caused by XXXX failure will be XXXX XXXX explanation and assurance that this will not recur

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 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have a mortgage that was recently sold to NewRez. I am a new customer still working on establishing my account. I noticed an issue with a payment this morning, went to the " contact us '' section of the app, and called the phone number. My call was redirected to the " rewards and savings '' line. They offered me a {$100.00} voucher to be sent to my home if I could just provide them my credit card information for a {$1.00} shipping and handling charge. Normally, this is where I hang up the phone ( I know when I'm being scammed ). But I was confused because I called the number provided in the app for NewRez. They didn't call me. I double checked my most recent paper bill, and I had the correct number. I XXXX " NewRez phone number '' and was directed to the FAQ page that listed this same number. The number is XXXX. 

After searching for longer, I found a new phone number listed in XXXX XXXX  on the NewRez website : XXXX. I called this number and listened to an automated voice tell me I can " call NewRez directly at XXXX '' ( the old phone number ). When I was finally connected to a legit NewRez employee, they cited the new phone number and said they had no knowledge of what I was talking about and no knowledge of a recent phone number change. 

This is a predatory business practice. I am guessing NewRez is not associated with the phone number anymore, but it is 100 % their responsibility to announce this to their customers. They are still listing a scam phone number in several places on their website, app, and in their automated phone system. This number has been printed on paper bills and saved in people 's phones. Their customers are calling this number thinking they are reaching a legitimate company, providing personal and financial information in trust, and then getting taken advantage of

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 2025-09-11 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I was paying a credit card bill and seen my credit score on the credit wise tracker was way down for me. I looked into it and found that a collection agency has a notice for XXXX XXXX for XXXX dollars. This is fraud as I have never had a XXXX account or used XXXX as cell service. It says the account was opened XXXX. Upon seeing this I contacted Transunion to dispute it, as I've never had an account with XXXX. I got an email on XXXX from XXXX  saying that it was accurate. I have no idea how to prove ive never had an account. This is fraud can someone please help. The collection agency is Diversified Adj XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I logged into the application and made a mortgage payment as a XXXX time transaction. I did not schedule any transactions or enable autopay. 

Approximately XXXX hours after my original payment, a second payment was attempted. I contacted the mortgage company and they blamed me for the issue saying I submitted the payment twice, insisting that I somehow forgot I spent {$3000.00} less than XXXX hours before. The company told me because there was insufficient funds I shouldnt worry about it and let it cancel on its own when it fails to go through. 

About a week later, I noticed another attempt to process the payment. I contacted the mortgage company again and they said that after the second time it fails it will terminate and Ill receive a letter about the failure. Ill also have to pay fees as a result of their mistake. 

Due to the language barrier, and the fact that it sounds like all the customer service members are reading from a script theyre not willing to deviate from, talking to anyone is talking in circles.

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 2025-09-11 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX reporting to all XXXX credit agencies. I do not have an account with nor did I open an account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
I am submitting a formal complaint against Newrez for willful neglect and mismanagement of my escrow account, which has resulted in the failure to pay my XXXXXXXX XXXX  property taxes. Despite sufficient funds being available in the escrow account, your company has failed to discharge its contractual and legal obligations. 
This failure has placed my property at imminent risk of a lien, exposing me to unnecessary penalties and fees. Your company is contractually obligated to pay all taxes, fees, and penalties from my escrow account. Any failure to act promptly constitutes a breach of fiduciary duty and may expose Newrez to liability

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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/year>, I submitted an online dispute regarding a debt collection account reported by LVNV Funding LLC for {$630.00}. I also contacted the company directly on XX/XX/year>. My initial dispute was denied. When I called their customer service line, they refused to discuss the matter further unless I provided my Social Security number and date of birth, which I declined for security reasons. 

My original creditor, XXXX XXXX XXXX, issued me a Form 1099-C for this account. The IRS specifically states that the issuance of a 1099-C is evidence of cancellation of debt, meaning this obligation was XXXX and reported as income. Despite this, XXXX XXXX XXXX  continues to report the account to the credit bureaus, and LVNV Funding is also reporting the same canceled debt.

Company response to consumer: Closed with non-monetary relief