vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LendingPoint Holdings LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint against a debt collection agency identifying themselves as XXXX XXXX XXXX. 

On XX/XX/year>2025, I returned a phone call from a company asking me to contact them about an important matter. Previously, the company managed to get the phone numbers of my son, wife, and other relatives in an attempt to discuss the debt. When I called, a representative named XXXX, who claimed to represent XXXX XXXX XXXX, stated that I owed a personal loan debt of {$25.00}, XXXX. XXXX then transferred me to another representative named XXXX. XXXX alleged that I had taken out a personal loan with a creditor, which I stated I did not take out a personal financial loan with the stated creditor. I requested a validation of the debt, as is my legal right under the Fair Debt Collection Practices Act ( FDCPA ), and asked that it be sent to my mailing address. 

Instead of complying with my request, XXXX transferred me to a third representative named XXXX. XXXX was hostile and refused to allow me to speak. I was repeatedly interrupted and not allowed to state my case. XXXX falsely claimed that I had refused to pay the debt and threatened to escalate the matter to an attorney. At no point did he acknowledge my request for debt validation. When I expressed that I would not tolerate being disrespected, XXXX abruptly hung up on me while I was speaking. 

I believe this conduct violates several provisions of the FDCPA, including : Failure to provide debt validation upon request Use of threatening and harassing language Misrepresentation of my statements Unprofessional and abusive behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
A company has been calling me from the numbers XXXX, and XXXX, and other numbers. They claim to be from Citi financial. They leave hateful and sarcastic voicemails threatening me that I need to get a lawyer, and saying " Goood Luck '' I am not the person they are looking for, nor do I know the person they are looking for. They harass me and act like I do know the person they are looking for. They tell me to ask everyone in my office at work if they know the person they are looking for. I have told them to remove my number, they usually hang up on me while I ask them to stop calling. They have claimed to remove my number from the system, yet they keep calling. This has been going on for months. I can't take them calling me anymore at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am unemployed, with no current income, and have been transparent and proactive about this hardship since XXXX. PayPal can not expect customers to " pull money out of thin air '' when there is no income to draw from. I have continued applying for jobs but until employment begins, there is nothing available to make the payments at their demanded schedule. 

A fair resolution would be for PayPal to immediately stop the stonewalling, honor my right to written communication only, and offer a genuine hardship or settlement plan that reflects my financial reality. Their escalations team is so front facing in public forums to email but they never responded. I have dated each and every communication that I have sent to them and have kept track of just how long it takes IF and WHEN they reply back.. They must not all be on the same page because I have communicated with an XXXX, a XXXX and most recently XXXX. Talk about inconsistency with case management. 

Simply telling me to " call collections '' is not a resolution it is a violation of my rights and an unfair practice for someone who has acted in good faith and documented everything properly, which is ALWAYS the global teams answer for everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Subject : Urgent Complaint Regarding Unresolved Suspected Scam Dear CFPB, I am writing to formally report an unresolved issue with PayPal involving a suspected scam transaction. Despite contacting PayPal through the Resolution Center and other support channels, my case remains unresolved. 

Details of the Issue : Transaction ID : XXXX Date of Transaction : XX/XX/year>2025 Amount : {$200.00} Recipient : XXXX XXXX ( XXXX ) Description : [ A phone ( device ) was promised vs. not received ] I believe this transaction is fraudulent. The seller has not delivered as agreed, and I suspect the account is being used for scamming purposes. I immediately reported the issue, but PayPal has either closed the case without resolution or failed to provide adequate support. 

Steps Taken : Reported the transaction in the PayPal Resolution Center. 

Contacted PayPal support via [ online ] on [ XX/XX/scrub>/2025 ]. 

Provided documentation ( see documents ). 

Desired Resolution : Full refund of the disputed amount. 

Investigation into the sellers account to prevent further fraud. 

As a consumer, I trusted PayPal to provide protection for secure online transactions. The lack of resolution in this matter has caused financial loss and frustration. I am therefore escalating this complaint and request urgent intervention. 

Please confirm receipt of this complaint and provide an update on next steps. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Novo Platform Inc.
State: OH

Complaint narrative:
Bank didn't replace pending transaction. I made payment and XXXX payments were pending. It should have been XXXX. Both payments amounts were taken from balance while pending. After payment cleared XXXX payment wasn't returned. I opened ticket with bank and issue isn't resolved. Last conversation was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I contacted the companies XX/XX/scrub>XXXX/2025 and informed them that the accounts did not belong to me, they informed me they will not remove the accounts. The companies would not provide me any proof/documentation of the service they falsely claimed I received.

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 2025-09-08 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: KY

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

1681c2 ) that you, the Equifax 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 Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX 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 XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report is still showing a closed Department of EducationXXXX XXXX XXXX XXXX, XXXX, WI XXXX and US department of educationXXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX account that has been reported for over XXXX XXXX. By Law closed accounts with negative information should not be remain on my consumers credit report beyond 7 years plus 180 days from the date of delinquency, in accordance with the fair credit reporting act. 

This account is long past the legal reporting period and should have been removed years ago. Its continued presence on my credit report is inaccurate, outdated and causing harm to my credit profile. I am requesting that this closed Department of educationXXXX and US department of educationXXXX account be immediately removed from all credit bureaus ( Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report is still showing a closed Department of EducationXXXX XXXX XXXX XXXX, XXXX, WI XXXX and US department of educationXXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX account that has been reported for over XXXX XXXX. By Law closed accounts with negative information should not be remain on my consumers credit report beyond XXXX XXXX XXXX XXXX XXXX from the date of delinquency, in accordance with the fair credit reporting act. 

This account is long past the legal reporting period and should have been removed years ago. Its continued presence on my credit report is inaccurate, outdated and causing harm to my credit profile. I am requesting that this closed Department of educationXXXX and US department of educationXXXX account be immediately removed from all credit bureaus ( XXXX  Experian and 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 explanation
Consumer complaint received 2025-09-08 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This debt does not belong to me. I checked my credit report and saw the collection debt and I have since then disputed this charge. I have no knowledge of this debt and have not ever lived in this residential dwelling. I have proof of all the places I have resided this NOT BEING one of them. My name and items of my identity has been a part of several data breaches in which I have attached 2 of them that I could put my hands on. This debt does not belong to me. I have never been late on mortgage or rental payment, I have exceptional payment history with all of my creditors. This is not the type of behavior that describes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have been locked, frozen, and otherwise unable to access my account. I brought my account out of overdraft on XX/XX/XXXX. This took XXXX visits on the same day. I was told to come back on Monday XX/XX/XXXX to have my account unlocked. On the XXXX I was told that instead of unlocking the account, it was now being closed. I was able to get around {$70.00} out on XX/XX/XXXX as I had only {$20.00} to buy gas and groceries. I was also told on the XXXX that my paycheck was not deposited. 

I called customer service on XX/XX/XXXX and found out my paycheck was deposited. My mothers social security check has also been deposited. 

I have not received any written information on what is going on. I have also opened a new checking account at a different financial institution. I feel let down by Chase as I can not access any funds. I can not pay the mortgage, buy groceries, gas for the car, or pay any other bill. I have been with this institution for over XXXX  years. 

I have opened a compliant with Chase Executive Office the week of XX/XX/XXXX. I have not heard back from them, nor have I received any written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MS

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

1681c2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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