vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
We began construction on our home in XX/XX/XXXX with an XXXX VA loan. We were billed for interest throughout the entire process. In XX/XX/XXXX, our VA construction loan converted to a regular VA home loan with UWM. We were sent the loan modification package, which included the interest rate float-down agreement. According to the agreement, our first payment was due on XX/XX/XXXX. Our loan was transferred from one division of UWM to another during XX/XX/XXXX. I reached out to the company via the secure messaging system to alert them to the incorrect interest rate listed on our portal and attached the loan modification. They said it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, our XXXX payment was drafted from our account for much more than the loan modification agreement, and our loan portal still had the 8 % interest rate listed rather than the 6.7 % from the modification. Our payment from XXXX was never applied to our account and was placed in a suspense balance. Multiple phone calls were made with no resolution. On XX/XX/XXXX, we received a bill for {$4500.00}. I spoke with a representative who canceled our autopay, stating that we could call after XXXX once that higher bill was resolved with no impact to our account. On XX/XX/XXXX, we received 2 letters from UWM stating we needed to seek assistance for foreclosure and our SCRA rights. On XX/XX/XXXX, we were told that we were 3 months ( XXXX, XXXX, and XXXX ) late on payments and were forced to pay {$4200.00} to bring the account current. This money too was placed in a suspense balance. We received 2 letters on separate dates saying our account had been found to have problems, but that the problems had been corrected. It was discovered that our VA Guaranty had never been submitted to take our loan out of the construction phase. Now on XXXX, we are still unable to submit a payment ; our portal and every customer service agent we speak with states we are over {$8000.00} behind in payments and more than 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2025-10-01 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: AZ

Complaint narrative:
Be compliant with 15 U.S. Code 1681g and promptly eliminate all accounts under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/year> portfolio recovery called my sister in law claiming to be someone from the leasing office of our apartment complex to try and get into contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Enrolled in a payment plan on XX/XX/year>, received confirmation of the payment plan and payments - XXXX payments of {$94.00} to be made on the XXXX of the month for XXXX, XXXX, and XXXX. Made XXXX payment and made XXXX payment, then made XXXX payment in XXXX. Received confirmation via email on XX/XX/year> that I had completed the payment plan. XXXX XXXX is not honoring this payment plan and saying my account is past due again and did not adjust the minimum payment due as promised upon the completion of the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
As required by 15 U.S. Code 1681g, ensure disputed accounts are deleted without delay.

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 2025-10-01 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: SC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft as a result of the Equifax data breach. This breach exposed my personal information and, unfortunately, fraudulent accounts have been opened in my name. Ive listed them below XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX I request that you immediately investigate and remove any and all fraudulent accounts that may have been opened due to this breach from my credit report. I am aware that the breach has affected many individuals, and I have taken steps to safeguard my personal information, including filing a fraud alert with each agency. 

According to FCRA 15 USC 1681c-2, I demand deletion within 4 business days. Please note that I have also placed a credit freeze on my account with the XXXX, and XXXX  reporting agencies and will provide any documentation or additional information needed to assist in your investigation.

I kindly ask that you send me confirmation once these fraudulent accounts have been removed from my credit report. They have been removed from the other two credit reporting agencies.

Thank you for your prompt attention to this matter. I expect to hear from you within 30 days as per the guidelines established under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

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 : 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 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 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 Date Opened : XX/XX/XXXX, Balance : {$4400.00} 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, 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 2025-10-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-01 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 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 : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$53000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} 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, 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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to file a formal complaint against Barclays Bank Delaware regarding its handling of my fraud dispute ( Account ending in XXXX ). 

On XX/XX/year>, I received a letter from Barclays ( copy attached ) stating that after a thorough investigation, they had denied my fraud claim, concluding that the charges were made by me or someone with authority to use my account. Barclays has therefore held me responsible for the previously disputed balance, along with finance charges and fees. 

I strongly dispute this conclusion for the following reasons : Lack of Sufficient Evidence Barclays has not provided any substantiating documentation ( e.g., transaction verification, merchant evidence, or proof of authorization ) that supports their determination that I authorized or benefited from these charges. 

Failure to Properly Investigate Simply concluding that the charges were made by me or someone with authority is inadequate without demonstrating how such a conclusion was reached. No details of the investigation, merchant records, or other supporting information were shared with me. 

Violation of Consumer Protections Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, issuers are required to conduct a reasonable investigation of disputed charges. I believe Barclays response fails to meet this standard, as they have not proven the legitimacy of the disputed transactions. 

As a consumer, I should not be held liable for fraudulent transactions unless the issuer can provide clear and convincing evidence that I authorized them. Barclays has not met this burden.

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 2025-10-01 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: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had taken out a loan for XXXX  dollars in XXXX. I called to double check the amount to be paid back because at first I cancelled because of confusion. The woman I talked to said I would owe XXXX dollars. But, now I see I owe {$6000.00} dollars which is triple the loan agreement. I asked for the recorded line and no one has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
RE : PayPal Account for E-Mail Address XXXX ' PayPal has my funds held hostage in my account which they shut down. They reason they shut down the account was because they said ANOTHER account I had ( and that they also shut down ), was used for business purposes which is actually not true either. They incorrectly determined I had some merchant transaction which was not true. I was simply provided a refund for a returned product I had purchased from an overseas merchant. Anyway, they cross-referenced to that account via my personal information and shut them both down. 

XXXX ) I do not care that that they shut down the accounts. PayPal has a horrible reputation for doing this and keeping account holder 's funds. 

XXXX ) However, after I waited 6 months, they STILL REFUSED to provide me the means to retrieve my funds. I can not link my bank account or a debit card to transfer the funds out because of the status they have placed my account in and they will not simply MAIL ME THE CHECK. 

This amounts to theft and I am therefore reporting it. Please follow up with them to mail me the check I am owed and I will happily consider this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year> literally moments after purchasing items from a fraudulent online website ( Called XXXX  ) and being charged {$800.00}, I reported the transaction and website as being fraudulent to PayPal. I had an immediate suspicion that I had been duped on a fake website. I submitted screen shots of the Order Receipt and the fake tracking number that was generated instantly showing that the tracking number actually tracked to an address in a different state ( not one I live in ). From that day forwards I called PayPal multiple times to ask for any updates. They reassured meat every step that the case had been reviewed ( and was being reviewed ) and that they were going to resolve it in my favor but needed a few days to process the return payment back to my account. Every time the date proposed of the resolution came and went I would call back and they would generate another date 10-14 days later. It is now XX/XX/XXXX and there is no sign of a resolution and no updates on my PayPal account. I have escalated this case multiple times but it appears that PayPal in typical way it conducts business in this realm is just doing this intentionally to exhaust the customer and ultimately never pay. I have been quite frustrated dealing with this company. After many years of having a PayPal account I can not believe the way the manage a situtation like this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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