vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
ResurgentLVNV has reported negatively on my credit and I do not owe to them. I have not done business with them and have no debt to them. They have sent a harassing emails and letters and are making threats to garnish my wages. They are reporting several trade lines on my credit report with various account numbers. I understand that they have been sued by the Federal Trade Commission for unfair collections practices and yet they continue to harass and threaten and stated that would charge me if they needed to provide any proof of the debt and That I had to acknowledge the debt in order for them to assist however, the debt is not mine. I believe I may have been a victim of fraud if this debt has my name in any way affiliated with it. The account numbers on my credit report are not displayed completely so I am attaching screenshots from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint against PayPal. 

I purchased shoes from an online seller and paid via PayPal using my XXXX XXXX card. The seller delivered the wrong item ( incorrect shoe size ), refused to take it back, and provided a return address in XXXX that was not disclosed before purchase. 

PayPal refuses to correct the dispute or allow me to resubmit proper evidence. Their customer service states that they " can not edit disputes, '' leaving me with no protection or recourse despite the sellers misconduct. 

I am seeking CFPB assistance in requiring PayPal to properly review the case or allow a new dispute filing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
On XX/XX/XXXX, during a telephone call initiated by the consumer to request an additional {$300.00} on an existing {$1200.00} installment loan, XXXX XXXX XXXX ( DBA Money 4 You Loans ) refinanced the prior loan ( account XXXX ) into a new {$1500.00} installment loan ( account XXXX ) without providing clear and conspicuous disclosures as required by the Truth in Lending Act ( TILA ), 15 U.S.C. 1638, and Regulation Z, 12 C.F.R. 226.17-18.

The representative materially omitted and failed to explain : That only {$240.00} constituted new credit extended, while {$1200.00} was merely the prior principal rolled over as a deceptive refinance, evading Utah 's rollover limits ( Utah Code Ann. 7-23-401 et seq. ) ; The total of payments amounting to {$3200.00} ; The finance charge of {$1700.00} ; The annual percentage rate ( APR ) of 369.01 % and its compounding over 14 bi-weekly installments ; That late charges and delinquency fees could escalate the balance to {$4300.00} if no payments were made ; Collection costs ( including attorney fees and court costs added to the balance ), credit reporting consequences, mandatory arbitration provisions, and procedures for revoking ACH/debit authorizations.

The call was rushed, with the representative providing only vague responses to limited consumer questions and no unsolicited explanations of these material terms, rendering the e-signed electronic agreement unconscionable and unenforceable due to inadequate oral disclosures. This constitutes unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531, similar to CFPB enforcement actions like CFPB XXXX XXXX XXXX XXXX ( XXXX Utah XXXX ), where misleading cost representations and hidden escalations violated TILA and led to accountability for predatory practices targeting vulnerable borrowers. 

Approximately {$200.00} has been paid to date, far below the principal. Payment authorization has been revoked by deactivating the associated debit card, but attempts to withdraw continued. This deceptive rollover and omission of key credit terms caused unaffordability and financial harm, violating federal disclosure mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-11-19 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: GA

Complaint narrative:
I noticed that these inaccurate accounts are still appearing on my credit report and they were not removed at all. This situation is extremely overwhelming, and I am begging for the documents I attached to be reviewed carefully so that I can finally stop stressing about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I have paid this company this debt in full. Check the attachment or proof of payment below.

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 2025-11-19 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-19 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: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX -- {$100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- {$27.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- {$140.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  -- {$93.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/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 2025-11-19 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on these accounts that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments XXXX XXXX XXXX account # XXXX Code 15 U.S.C 1681 emphasizing the importance of accurate and fair credit reporting for the banking system and consumer confidence. I'm now requesting you to update this payment to paid on time immediately. If not, I will be forced to take legal actions and sue for violation of code 15 USC 1681 and defamation of character at 1000 per violation. Please and thank you

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX are produced background checks with inaccurate information that should be removed immediately it is stopping me from getting employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I received an email from SoFi bank on XX/XX/year> it stated will close my checking account on XX/XX/year> with out tell me the true specific reason except word to word : As part of our responsibility to maintain a secure and trusted banking experience for all members, we periodically review account activity. Following a recent review, weve made the decision to close your SoFi Checking and Savings accounts. This decision was not made lightly. 
I called the number on the email XXXX I spoke with a ceo office agent name of XXXX  she first said had no idea why I received the email then she placed me on hold for about five minutes and came back and said the unknown department decided to just close my account refuses to tell me the specific reason and that she cant say anything or tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I am a victim of identity theft, these are the accounts I found when i checked my credit today. I never opened these accounts or gave anyone permission or authorization to open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I am a victim of identity theft, these are the accounts I found when i checked my credit today. I never opened these accounts or gave anyone permission or authorization to open these accounts

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one credit card doesnt belong to me. Ive been reporting this for XXXX  years.

Violation of 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp borrow took my money unauthorized by me and I need it back it took them no time to take it it should take no time to give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I filed XXXX complaints with the CFPB against Carrington Mortgage Services , LLC . Though the complaints were filed days apart, on XX/XX/XXXX I received an update on the status. The company acknowledged that the complaint was received and stated that additional time would be needed to investigate. Then days later, I received a postmarked envelope Carrington, with an eleven-page Identity Theft document inside. It was dated XX/XX/XXXX, XXXX the day after responding to my complaint. First of all, based on this notification I did not mention or reference identity theft in any of my XXXX complaints. It was never about that ; it was about Fraudulent Activity committed on Carrington 's part. Second, on the lower left corner of all XXXX pages the information does not correspond with the current date on the notice ( XX/XX/XXXX ). Third, the notice indicates " Please send your documentation within 30 days of the date of this notice ). Well, 30 days from that date would be around XX/XX/XXXX. Please take note that Carrington Administration made it clear that time was needed to investigate, yet a decision was made to respond to the CFPB before I could comply with their XXXX deadline. Then a second notice was sent, " Non-Response/Identity Theft '', dated XX/XX/XXXX. This notice was dated the same day that Carrington Mortgage Services , LLC was set to auction off my home at the Courthouse in XXXX XXXX, North Carolina! Furthermore, these notifications are an example of the deceptive practices used a number of times. These notices were deliberately used to coerce me into filing a false claim of identity theft. This is manipulation, intimidation and bait and switch. Furthermore, coercion ( pressure to compel someone to act against their will ), is a violation of 18 U.S.C. Subsection, 2422. Carrington has repeatedly overwhelmed me with one notice after another, putting unreasonable time constraints on me impossible to meet. This was intentional. 
In conclusion, I received XXXX notifications in the mail on Thursday, XX/XX/XXXX, that an online bidding process was done and I had no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Received Notice of Right to Cure Default from the creditor, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, must cure default XX/XX/XXXX. The creditor reported the account as delinquent to credit reporting agencies. 

Delinquent notice to Transunion on XX/XX/XXXX and credit score dropped -43 points. Delinquent notice to Experian on XX/XX/XXXX and credit score dropped -37 points.

This was done prematurely with my being given the opportunity to act on a " Notice of Right to Cure Default XX/XX/XXXX. Reporting an account as delinquent before date is a violation of fair credit reporting laws. This was done prematurely. Account was cured.

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 2025-11-19 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: GA

Complaint narrative:
Subject : Formal Request for Reinvestigation Pursuant to the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2 ( b ) ) To Whom It May Concern, This letter serves as my formal dispute and request for reinvestigation under the Fair Credit Reporting Act ( FCRA ). Experian is currently reporting inaccurate derogatory information that is damaging my credit profile and in direct violation of federal law. 
The specific account in question is : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Experian is reporting late-payment notations on this account that are factually incorrect. These alleged late payments never occurred. Under FCRA 1681i, you are required to conduct a reasonable reinvestigation of disputed information and delete or correct it if it can not be verified. Additionally, under FCRA 1681s-2 ( b ), furnishers are required to conduct their own investigation and ensure that only accurate and verifiable information is provided to credit reporting agencies.

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 2025-11-19 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: NC

Complaint narrative:
I am disputing multiple inaccurate items on my credit report, including incorrect addresses and reporting errors tied to accounts and inquiries that do not belong to me or contain false information. My report is showing an inaccurate address at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as well as accounts improperly marked late, closed, charged-off, or in collections, including : XXXX XXXX XXXX with a {$0.00} balance marked late/closed ; charge-offs for XXXX XXXX ( {$320.00} ), XXXX  XXXX XXXX ( {$720.00} ), XXXX XXXX  XXXX XXXX ( {$0.00} ) XXXX and XXXX XXXX ( {$9500.00} ) ; new charge-offs for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ) XXXX XXXX ; and a collection account from XXXX  XXXX, listing XXXX XXXX XXXX XXXX  as the original creditor with XXXX, showing a balance of {$1200.00} XXXX which is inaccurate. My report also contains unauthorized or disputed inquiries dated XX/XX/year> from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all linked to the inaccurate XXXX address XXXX Additional inaccuracies appear under the address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, including a charge-off for XXXX XXXX XXXX ( {$0.00} ) and disputed inquiries from XXXX, XXXX, and XXXX on XX/XX/year>. My report also reflects another inaccurate version of the address ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX  XXXX ) along with an additional disputed inquiry from XXXX Data on XX/XX/year>. All of these listings are incorrect, do not belong to me, or contain wrong information and are harming my credit profile.

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 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Please i want Shellpoint mortgage servicing llc to focus on loan modification issues 1. The address where the loan modification check was mailed to or issue.

2.The bank or financial institution that cashed or deposited the loan, -, modification check.

3.A copy of canceled check, front and bank.

4. The name of the person or the entity who made the payment used to bring the loan current through this modification.

5. The identify of the party who approved the loan modification and the verification steps they used to confirm the executed the modification. 
If a modification was approved in my name, Shellpoint must show who submitted it, who was verified, who paid, and who cashed the check.

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