vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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 requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline I am requesting the description of reinvestigation procedure according to 15 USC 1692g states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
PayPal permanently limited my personal account without explanation, denied due process, and refused to cooperate with arbitration procedures as outlined in their own User Agreement.

I have been a PayPal customer since XXXX, using my account solely for personal and legitimate transactions. In XX/XX/XXXX, PayPal permanently limited my account, stating that it posed a risk, without offering any specific explanation or opportunity to respond. I still have view-only access, but my funds remain frozen without justification.

Throughout my use of PayPal, I had only a couple of minor disputes, both of which were immediately and successfully resolved in accordance with PayPals guidelines. My account has no history of fraud, chargebacks, or policy violations.

PayPal initially cited my use of a VPN as part of the reason for the limitation. However, I clarified that I was using a corporate VPN mandated by my employer for secure remote access not for anonymization or fraud. PayPal later admitted in writing that VPN usage is not prohibited by their policy. Despite this, they continued to rely on vague and unspecified risk indicators to justify the limitation and freezing of funds.

I requested multiple times : A clear explanation of what specifically triggered the limitation ; The opportunity to dispute any incorrect assumptions or false positives in their risk model ; A review of the case by senior leadership ; Contact information for the Acceptable Use Policy ( AUP ) Team and Legal Department so I could formally submit a Notice of Dispute and pursue arbitration, per Section 14.3 of PayPals User Agreement.

None of these requests were honored.

Worse, a PayPal representative addressed me with a misspelling of my last name that was offensive and inappropriate. While an apology followed, the overall handling of my case has been dismissive, opaque, and unprofessional.

Ive made repeated, good-faith efforts to resolve this internally. All I have received are vague form responses and refusals to engage meaningfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-30 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: NV

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-30 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I received a text message last month regarding a debt collection attempt from Credence Resource Management LLC, I've previously contacted them via email last winter ( XX/XX/XXXX ) to verify the debt and settlement offer. They emailed me the settlement offer but did not explain what payment would do to my credit report when I asked. They provided a link to their website to make a payment, this payment portal asks for my name, address, phone number, payment amount and credit card information. There is no way to enter the debit information at all. Because of this it felt like a scam so I asked they stop contacting me. I received a text settlement offer last month on XX/XX/XXXX. This included the same settlement offer and link to the same payment portal. I called today to verify this offer, they requested I provide my social first which made me feel uncomfortable. I let them know I was trying to make a payment on their payment portal but there was no way for me to enter the debt information or associate it with the debt they are claiming I owe. I stated I did not feel comfortable with this, they said after I entered my credit card information and hit XXXX Payment ' it will take me to another page which allows me to verify the debt and payment. I stated that doesn't make sense as they are having me enter the payment first and hitting 'process payment '. The person I spoke with had me go to att.com/fastpay where i could enter my XXXX account number and zip code if I wanted to pay directly with them. XXXX a current XXXX customer, that is not the website we use to make a payment so again I'm hesitant to believe this is legit. I pulled up the website anyway and entered the information the supervisor provided ( account number and zip code at the time i had the account ), it didn't work. The supervisor put me on hold without saying anything, he would pickup and say 'Hello '' and then when I said XXXX '' back he put me back on hold. This went on for XXXX minutes or so before i was hung up. I called back and asked for a supervisor, same thing I was hung up on. I called back and yet again I was hung up on. I called back and was connected to a supervisor again who was also unable to help me apart from telling me I have to enter my payment info in first and then I can see the debt and verify the account information. This feels like a scam. I'm happy to make a payment if this is legit but I will not process a payment through their web portal until I can see it is being applied to the correct debit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance : {$760.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$540.00} Open Date XXXX XXXX, XXXX Inquiries : XXXX XXXX XXXX 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am filing this complaint because multiple personal loan accounts from Affirm Inc have been reported on my credit report, but I did not open or authorize any of these accounts. These accounts were opened without my knowledge or consent, and I believe I am a victim of identity theft. 

The accounts were : Opened in 2023 without my authorization. 
Reported as closed but still appear on my credit file. 
Not associated with any payment delinquencies, yet are contributing negatively to my credit profile. 

I have reached out to the credit bureaus and Affirm to request the removal of these accounts, but no resolution has been provided. These accounts are damaging my credit score and do not reflect my financial history.

Legal Grounds ( FCRA Citations ) : According to the Fair Credit Reporting Act : FCRA 611 [ 15 U.S. Code 1681i ] requires credit reporting agencies to conduct a reasonable investigation if a consumer disputes any item in their file. I formally disputed these accounts and provided evidence that they were opened fraudulently.

FCRA 605B [ 15 U.S. Code 1681c-2 ] entitles victims of identity theft to request that fraudulent information be blocked from appearing in their credit report. I submitted a fraud claim and supporting documents requesting that these accounts be permanently blocked.

FCRA 602 ( A ) emphasizes the need for consumer reporting agencies to adopt reasonable procedures to assure maximum possible accuracy. Continuing to report accounts that do not belong to me violates this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My original Mortgage from XXXX XXXX transferred to PHH. PHH had on the account that we owe them from XXXX and we were delinquent and we were not and we never with PHH in XXXX. Everything just seemed bogus. We have been on time since our modification was approved last year. I called to speak to someone, but the representative told me I would not be able to speak to no one until a week later. I then sent an email and never received a response back via email, so I sent them a certified letter ( QWR ). They went up on our escrow account {$120.00}. XXXX had already approved and had all that information in the account. Now, PHH went up because I made the call asking why does it show delinquent since XXXX of this year and we were clearly on time with XXXX since last year of the modification being approved. It just seems because I called to ask about the discrepancy, they have been targeting me by my pockets. This transfer has been very disheartening due to the unprofessionalism and not being able to speak to the someone until a week later about a simple issue is absurd. I need to ensure that this company is not retaliating because the whole purpose of a modification is being able to afford the mortgage in these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-30 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 is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My Robinhood account was restricted on XX/XX/year> and then they asked me to provide verification documents which I did and uploaded my ID and bank statements. And then they just keep changing the wait dates and were responding to my email with generic responses. Support phone call in the app also was restricted, and today on XXXX/XXXX/205 Ive received email stating that they gon na close my account, explanation were not given and my funds withdrawal request still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX I was going to purchase a cash car from a man name and we test drive the car everything was going great until I asked for the title to the car after I send the money and he drove off with my money and the car I put a police report in and provide messages. I sent this man XXXX for the car. I tried getting my money back from him but he just blocked my number I tried going through cash app and disputing it and they declined for my money to be sent back because they felt like I was at fault for sending it but I didnt know I was about to get scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-30 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-30 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Its incredibly distressing to see false, incorrect, and inaccurate information reported under my name. Ive worked hard and lived honestly, yet my credit report tells a different storyone filled with damaging errors that I did not create. As a consumer, I know I have rights and protections under the law, but this situation makes it feel like those rights are being ignored. 

These inaccuracies are already having a serious impact on my credit and my life. Im tired of living paycheck to paycheck while being denied credit because of errors Ive repeatedly tried to fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I am filing a complaint regarding MOHELAs repeated failure to properly process my Income-Driven Repayment ( IDR ) plan request and its failure to follow U.S. Department of Education policy concerning temporary forbearance protections both of which are significantly impacting my eligibility and progress toward Public Service Loan Forgiveness ( PSLF ). 

On XX/XX/XXXX, I submitted a request to change my IDR plan through MOHELA. This request was never processed, and I was later told the delay was due to policy direction from the XXXX administration halting such activity. I was advised to resubmit once processing resumed. 

Following that guidance, I submitted a new IDR plan change request on XX/XX/XXXX, which MOHELA formally received on XX/XX/XXXX, per my StudentAid.gov account. After this, my initial XXXX submission was closed without action. 

Today, on XX/XX/XXXX, I called MOHELA to check on the status of my XXXX request. I was informed that I now need to submit a third IDR application, as IRS verification is now available again. I was not given a timeline for how much longer this will take or any assurance that this process will not be delayed again. 

Furthermore and critically MOHELA never placed my account into the standard 60-day processing forbearance while my IDR application was pending. According to the U.S. Department of Educations stated policy, this forbearance should be applied during IDR processing to ensure continued PSLF credit. By failing to implement this, MOHELA has jeopardized my ability to receive qualifying months toward PSLF through no fault of my own. 
I have acted in good faith, submitted all requested documentation on time, and followed up as instructed. Yet MOHELAs inaction and inconsistent communication have resulted in multiple resubmissions, no progress on my repayment plan change, and now a potential loss of PSLF-qualifying time due to their failure to apply the required processing forbearance.

Company response to consumer: Untimely response