vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The financial institution is using a federally registered trademarked name, XXXX XXXX XXXX, in connection with financial reporting and/or federal tax information returns without authorization. 
I have reason to believe the institution filed, or caused to be filed, one or more IRS information returns, including but not limited to Forms 1099-A, 1099-C, or 1099-K, using this protected trademark name. 
Despite written request, the institution has failed to provide a copy of any such filing or certify in writing that no such filing occurred. 
This constitutes inaccurate reporting, lack of permissible purpose, and unauthorized commercial use of a protected trademark. Federal law requires accurate payee reporting, disclosure to the named payee, and timely correction of erroneous filings. 
I am requesting immediate disclosure of all tax filings made using my trademarked name, or written certification that no such filings exist, along with correction of any inaccurate information Statutory Authority : 26 U.S.C. 6041 Requires persons engaged in a trade or business to file accurate information returns and furnish correct payee statements.

26 U.S.C. 6050P Governs reporting of cancellation of debt and requires disclosure to the named debtor.

26 U.S.C. 6109 Requires correct taxpayer identification and prohibits misuse of identifying information.

26 U.S.C. 67216722 Imposes penalties for failure to file correct information returns and failure to furnish correct payee statements.

Failure to disclose or correct erroneous filings constitutes a violation of federal reporting requirements and supports regulatory enforcement and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
Shellpoint Mortgage Servicing collected default interest in connection with my loan reinstatement but has failed to provide the required calculation or documentation supporting the amount charged. 

Specifically, Shellpoint states that {$15000.00} in default interest was assessed and paid from Idaho Homeowner Assistance Fund ( HAF ) proceeds. I requested a calculation showing how this amount was derived, including the date the default interest provision was triggered, the interest rate applied, the principal balance used, the number of days charged, and the daily accrual methodology.

In the previous complaint 's response, Shellpoint provided only ledger totals and conclusory statements asserting that the charges were correct. Shellpoint did not provide any mathematical calculation, worksheet, reconciliation, or breakdown demonstrating how the default interest amount was computed. No trigger date, accrual period, or rate application was disclosed.

Without this information, I can not verify whether the interest was calculated correctly, whether the default rate was applied only when contractually permitted, or whether interest was overstated or misapplied. This constitutes a failure to provide information required to substantiate charges collected and prevents meaningful review of the account.

This complaint concerns Shellpoints failure to substantiate and document interest charges already collected, not a general disagreement with policy. I am requesting regulatory review of Shellpoints failure to provide a verifiable calculation supporting the default interest assessed.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I received mail of a complaint on file for student loans and the issue listed was struggling to pay loans. THIS IS INCORRECT INFORMATION I NEVER FILED A COMPLAINT LISTING THAT. THIS COMPLAINT HAS NOW BEEN FILED IN THE SIUTHERN DISTRICT COURTS. THIS WAS A FEDERAL OFFENSE AND FRAUD COMMITTED BY SOMEONE WHO COMMITTED IDENTITY THEFT AND OBTAINED FINANCIAL AID THROUGH THE DEPARTMENT OF EDUCATION. THAN WITH HELP OF A HACKER OR SOME KIND OF DIGITAL IT COMMITING CYBER CRIMES ALTERED MY INFORMATION IN THE SYSTEM. MY LOAN IN THE LATE 2000 'S WAS EXSPONGED FROM MY CREDIT REPORT WITH THE OBAMA LOAN FORGIVENESS PROGRAM. HENCE WHY I WAS ABLE TO MOVE AND AQUIRE CREDIT CARDS AND LOAN OFFERS LATER IN LIFE I OWED NOTHING. AROUND 2024 I START GETTING STATEMENTS FOR A VERY RECENT ENROLLMENT AND REQUIRED PAYMENTS OF AT LEAST {$170.00} A MONTH AFTER THE FIRST FEW TIMES CALLING TO COMPLAIN ABOUT THIS THE REPS WERE SUPPOSED TO PROVIDE ME WITH FRAUD PACKETS TO MAIL THEM. WHEN I FINALLY SPOKE TO SOMEONE THE 4TH TIME THEY BEGAN TO EXPLAIN MY LOAN HISTORY WHICH IS IMPOSSIBLE. THERE IS HIGH LEVEL CYBER CRIMES HAPPENING WITH PERSONAL INFORMATION AND FINANCIAL INSTITUTIONS. EXACTLY WHY I FILED THE CHASE COMPLAINT BECAUSE THY WERE PURPOSELY DRAINING MY ACCOUNT AND THE HISTORY WOULD GLITCH MAKING THE NUMBERS DISAPPEAR OR ADJUST WITHOUT ANY EVIDENCE.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX was notified by me that I'm on state XXXX and can not make payments, I asked for my insurance, no response, then I sent an email to them once again notifying them and they confirmed it and said I'm being delinquent and added charges. I will try to upload my evidence.

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 2025-12-23 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-23 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am disputing inaccurate reporting of a Navy Federal credit card account, specifically the Date of First Delinquency ( DOFD ), account history, and balance reporting. The account was reported with a high balance of approximately {$14000.00} and charged off. 

Timeline & Actions Taken : XX/XX/year> : I sent a certified letter to Navy Federal requesting complete verification of the DOFD, account statements, and all payment history, citing FCRA 623 ( a ) ( 8 ). USPS tracking confirms delivery. 
XX/XX/year> : The XXXX FCRA investigation period expired ; Navy Federal had not responded or provided verification. 
XX/XX/year> : I sent a XXXX final notice to Navy Federal demanding verification and correction of any unverifiable information. USPS tracking confirms delivery. Navy Federal did not respond. 
XX/XX/year> : I filed disputes with XXXX XXXX XXXX XXXX including copies of my original dispute letters, the XXXX notice, and certified mail receipts. I specifically requested verification or deletion of any unverifiable information. 
XX/XX/year> : XXXX completed a reinvestigation but failed to verify the DOFD and marked the dispute as consumer disagrees. The payment history reported remains incomplete and inconsistent, showing no payments for multiple months despite prior evidence of payment activity, which demonstrates the information is unverified.

Legal Context & Evidence : Navy Federals repeated failure to respond constitutes noncompliance with FCRA 623, which requires furnishers to investigate disputes and provide accurate information. 
XXXX reinvestigation failed to verify the information as required under FCRA 611, leaving inaccurate reporting on my credit report. 
I have documented evidence including : USPS Certified Mail tracking for XX/XX/XXXX and XX/XX/XXXX letters Copies of my dispute letters to all three credit bureaus XXXXXXXX official dispute response showing consumer disagrees without verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, my Cash App account was hacked, and seven unauthorized XXXX transactions were processed back-to-back within minutes of each one without my authorization. These charges were completely inconsistent with my normal account activity. Cash App failed to notify me or stop the suspicious transactions despite the unusual pattern. 

I immediately contacted my bank XXXX because my bank card was attached to my cash app. The rep helped me XXXX the account and stopped the card to issue me a new one. XXXX informed me i would need to contact Cash app to file a dispute which I immediately did. I also submitted proof that my account was compromised, including emails from the hacker admitting to taking over some of my accounts and demanding additional money. Despite this, Cash App denied my dispute, claiming that because I used XXXX in the past, the transactions were valid. While I have previously used XXXX, my prior transactions were infrequent and significantly smaller than the fraudulent charges. 

Cash App has refused to return my money even though : These were clearly unauthorized transactions I reported the fraud I provided supporting evidence-email from the hacker ( s ) The transaction pattern shows account takeover behavior Because of Cash Apps refusal to correct this fraud, I have suffered severe financial hardship. My mortgage has not been paid for XXXX and XXXX, and I am facing possible eviction with my children. This has caused emotional XXXX, financial instability, and unnecessary hardship while Cash App continues to ignore clear evidence of fraud. 

I am requesting that CFPB assist in : Forcing Cash App to properly investigate my claim Reversing and refunding the unauthorized transactions Ensuring Cash App complies with consumer protection and fraud regulations Ensuring better fraud protection practices for customers I have been a loyal Cash App user for years and trusted their platform. I am simply asking for fair treatment and protection as a victim of fraud.

Requested Resolution : Refund all unauthorized transactions and confirm account security.

1. {$580.00} 2. {$120.00} 3. {$83.00} 4. {$590.00} 5. {$690.00} 6. {$13.00} 7. {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. Original Creditor : XXXX XXXX Apartments CFPB Case Number ( Prior ) : XXXX XXXX Data Internal Reference : XXXX NATURE OF COMPLAINT XXXX XXXX XXXX is reporting and attempting to collect an inaccurate, unvalidated, and legally unenforceable accelerated rent balance in violation of the Fair Debt Collection Practices Act ( FDCPA ). FACTS OF THE DISPUTE My lease explicitly states that I am only responsible for rent until the date the unit is re-rented. The property re-rented the unit before my lease term ended, which legally eliminates the majority of the accelerated rent XXXX XXXX is attempting to collect. Despite repeated disputes, XXXX XXXX has not provided any of the following : A full and itemized statement A copy of the original lease A complete tenant ledger Proof of when the unit was re-listed Proof of the new tenants move-in date Documentation showing legal right to collect A corrected balance reflecting mitigation of damages XXXX XXXX WRITTEN ADMISSIONS ( XX/XX/year> ) In response to my prior CFPB complaint, XXXX XXXX admitted in writing that : The account was assigned in XX/XX/year> The balance includes accelerated rent They do not yet know whether the unit was re-rented They are waiting on the landlord for confirmation The balance will be revised if re-rental is confirmed The account is marked as disputed Validation has not yet been provided The full accelerated balance remains listed as due These admissions confirm the balance is not verified, not finalized, and not legally confirmed as accurate. FEDERAL VIOLATIONS FDCPA XXXX ( XXXX ) Attempting to Collect an Amount Not Permitted by Law XXXX XXXX is attempting to collect accelerated rent that is extinguished by re-rental under my lease and state mitigation law. FDCPA XXXX ( b ) Continued XXXX Without XXXX XXXX XXXX continues to treat the balance as due while admitting validation has not been provided. FDCPA XXXX False Representation of the XXXX XXXX XXXX XXXX is representing the full balance as valid while admitting it XXXX be legally reduced. FORMAL DEMAND FOR RELIEF I formally request that the CFPB require XXXX XXXX XXXX to : XXXX. Immediately cease all collection activity XXXX. Provide full legal validation, including re-rental documentation XXXX. Correct the balance to reflect only lawful amounts, or XXXX. Delete and remove the account entirely if validation can not be produced XXXX. Cease all credit reporting of this account until full validation is completed CLOSING STATEMENT XXXX XXXX is attempting to collect and report a debt amount that it admits is unverified and subject to mandatory lease-based mitigation. Continuing collection under these circumstances constitutes clear violation of federal law and requires immediate regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
This account is being reported by XXXX / XXXX XXXX XXXX as a debt buyer, listing the original creditor as XXXX XXXX XXXX. 

This same account was previously disputed with Experian and deleted after the furnisher failed to verify the information. 

The account has now been reinserted under a different reporting entity, without any notice to me and without providing the certification required under the Fair Credit Reporting Act for reinsertion. 

In addition, the original creditor designation has changed, creating materially inconsistent reporting. 

I dispute the accuracy, ownership, and reinsertion of this account and do not recognize XXXX as having lawful authority to report it.

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 2025-12-23 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: NV

Complaint narrative:
I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from XXXX site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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