vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX CO Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$16000.00} XXXX XXXX BANK - Account Number : XXXX, Date Opened : XXXX, Balance : {$3400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I need to report this user paypal account to yall for scamming people and clearing their message and blocking them on XXXX  without sending their order to them after receiving payment their XXXX XXXX XXXX XXXX  and my PayPal information is XXXX and please dispute this payment for me as service not received Transaction ID XXXX  and please investigate her account and disable it or banned it or suspended it or restrict it or permanently limit and terminate the account relationship etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX NA Date : XX/XX/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, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I sent a payment to my cousin & it asked me for a note of what the payment was for .. i put the most recent emoji on my keyboard it just happened to be a XXXX  flag so they flagged my account thinking i was sending money to XXXX & my account has been frozen since XX/XX/year> .. ive been calling everyday to ask to somebody & they is nobody they will help me they said my case was transferred to a specialist & the specialist only communicate through email .. ive missed payments & currently in debt over this whole situation .. it is very unprofessional & i just want access to my money i will never use cash app again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am disputing a debt that Genesis Credit Management is attempting to collect. The debt is being reported as tied to an apartment lease with XXXX XXXX XXXX. However, the lease they provided as proof of debt ( XXXX lease ) was completed in full and does not represent any outstanding balance.

The lease that ended early was for the XXXX period, but Genesis continues to provide the wrong lease as evidence. When I told their representative this and stated that I would dispute it, the man on the phone laughed at me. This occurred several months ago, and since then I have received no further communication.

I have researched the company and found many other consumers reporting the same types of issues with Genesis, where they present incorrect or incomplete documentation. I believe they are misrepresenting the debt and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that this collection account be properly investigated, that Genesis provide correct and verifiable documentation of the debt, and that the inaccurate collection account be removed from my credit reports if they can not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filling this FTC Theft affidavit to report fraudulent account appearing on my consumer FICO score credit report which i do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filling this FTC Theft affidavit to report fraudulent account appearing on my consumer FICO score credit report which i do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
My initial concern is since XX/XX/XXXX, I have made my payments through their XXXX  system. 

As of today, XXXX. The total amount due, which should include any fees assessed to the account, the total amount due is {$1400.00}. This amount is due on XX/XX/XXXX. The minimum amount due is {$1400.00}. 

The total amount due in the XXXX does not include fees assessed to the account, the total amount due in the XXXX does not match the total amount due on my online statements or their website. 

I spoke with representatives from NewRez on XX/XX/XXXX to regain online access to my account. All disclosed the standard attempting to collect debt disclosure however neither of the representatives, the agent XXXX XXXX Or a Team Leader XXXX A. Were aware of XXXX regulations. 

My secondary concern is how has this past due amount of roughly {$120.00} been reported to the credit bureaus? My preferred method of payment is by phone through the automated XXXX  system. I should not be penalized for the inaccuracies of their automated XXXX  system. Additionally, this creates not only a XXXX  violation but a potential FCRA violation as well. 

I am happy to provide evidence of the discrepancies between their XXXX system, the online statements and their website to substantiate my claim of a deceptive practice. 

The attached file is a transcript of the XXXX recording, and information from their website

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 2025-09-22 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I do not recall the specific date when I first called Synchrony Bank, It was approximately XXXX XXXX. I was told by the company doing the emergency repairs that my monthly payment would be around {$70.00}. It would be a burden on my already struggling budget on my SS but I could make it work somehow. Imagine my horror when I got that first bill of {$180.00}! I consulted XXXX XXXX but did not make enough for any of their recommended lenders for a consolidation loan. I have a manufactured home so I am not eligible for an equity loan. I discussed with my bank officer other options and was offered another bank card to do a balance transfer. Got that duck in a row and on hold till I spoke with Synchrony. I was told by the representative that if I paid half of the balance that my payment would be reduced accordingly and would be $ XXXX. So, I proceeded with the balance transfer of the max that card would allow which was a bit more than half. Imagine my shock when I just got the new bill and the payment is still {$180.00}, I called Synchrony and spoke with a " XXXX ''. XXXX looked into it and told me that the system was behind on recognizing the new balance and that after I pay the {$180.00} due XXXX, it should go down. This was not right, it should have happened as soon as that payment posted, so I asked to speak to a supervisor and was connected to " XXXX '', who was a billing specialists. She said their automated system does not allow for human interventions to make changes and based on their automated calculations, my payment would stay the same DESPITE the balance going down. If I opted out of the so-called interest free promotion, my payments on the remaining {$3300.00} would be {$210.00}!! So the person I spoke with in XXXX lied to me, and XXXX lied to me. Synchrony is so untrustworthy and shady that they don't even publish an address, phone number or other contact information on their website. XXXX is riff with complaints like mine and more about Synchrony Bank 's shady business practices. I am in a panic now because I was expecting a reduction in my total overall payments, even with the balance transfer, and now it will be over {$220.00}. I have been looking for a part time job but now being physically handicapped, I can no longer take a job in XXXX, a career that spanned XXXX. I hope you will be able to get me fair play but I will not hold my breath.

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 2025-09-22 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : U S DEPT OF EDXXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX, and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard in

quiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result
in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet switched my loans to this company called SLOAN, and we were not in collections. Whenever I try to communicate with them, they don't answer the phones. I feel this is mismanagement, because it's not like I was in collections. NOR missed any payments. I feel the interest rates were not calculated correctly with them, and it took a long time to get the principal balance. These loans could have been paid off years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal randomly and unknowingly sent me a request to verify my identity, my SSN, and my address. I promptly replied to the request with all necessary documents asked for to verify the information. The very next day after submitting the valid and accurate info matching my info on my PayPal account, they notified my account was permanently banned. They did not give reason or any justification for said action. Upon request I have received a robo reply stating my account has been used in a manner against the acceptable use of a PayPal account. This generic reason is clearly a generic reply regardless of user or account that PayPal sends to divert customers away from any real information or research into why there system incorrectly banned your account. I have thoroughly reviewed the terms and conditions multiple times and I have never once done anything in violation of said terms. My account has been active for many years and used accordingly the whole time.

PayPal refuses to provide support or even allow me to inquire anything about this matter. They have completely severed me from any form of customer service and blocked my account for no reason at all. This is criminal. And it needs reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding accounts listed on my credit report that are fraudulent. I never opened or authorized these accounts, and their presence is false, damaging, and unacceptable. These inaccurate entries have harmed my credit profile and do not reflect my true financial history.

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 2025-09-22 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: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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