vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
See attached documents This lender has unethically increased my loan with a bunch of illegal and unrealistic fees after over 45 recorded telephone calls and 3 loan modification submissions where the investor refuses to respond. We have two different names and no definitive answer for who the actual investor is on the document provided it says Shellpoint, XXXXXXXX XXXX XXXXXXXX  ( A qualified written request was sent XX/XX/XXXX and USPS shows it was received on XX/XX/XXXX there has still been no response and my loan has continued to be pending for over a year due to their deceptive act or practice under UDAAP ( 12 U.S.C. 5531-32 ) and ( q024.36 ( d ) ( 1 ) ( i ) of Regulation X

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am submitting this complaint regarding PayPals repeated obstruction, harassment, and failure to investigate and refund a transaction involving fraud.1. Harassment & Account Closure Interference : On [ insert date ], I attempted to close my PayPal account by phone. However, over the course of a single day, more than XXXX of my support calls were disconnected mid-call, often shortly after I stated my intent to permanently close the account. These repeated disconnections suggest either an intentional avoidance tactic or retaliation. I believe this violates consumer protection laws and PayPals obligations to allow consumers to close accounts without intimidation, delay, or coercion.2. Unresolved Fraudulent Transaction ( Refund Denial ) : I used PayPal to send funds to a user ( XXXX  ) for a mentorship program. This service was either never delivered or grossly misrepresented. Despite presenting evidence, PayPal refused to reverse or refund the transaction. I believe this qualifies as fraud or a scam, and that PayPal failed to uphold its purchase protection or review obligations.I am requesting the following : - Full refund or chargeback for the fraudulent transaction.- Internal investigation of customer service call handling and retaliation.- Access to all call audio/transcripts from the date in question.- Assurance that my account will be closed promptly, without further obstruction.Ive attempted to resolve this with PayPal directly without success. I respectfully request CFPB assistance in compelling a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/1993 This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within four ( 4 ) business days upon receipt of this request. 

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that TransUnion immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am concerned about multiple fraudulent accounts that have been opened under my name. Unfortunately, I have not received the assistance I need from my finance company to resolve this issue or report it effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was locked up in XXXX  from XXXX to XX/XX/XXXX during that period my mother passed away and insurance checks came in the mail to my ex-wifes house. The checks were deposited in a Wells Fargo account. At least the check that I knew of at the time That Account had a balance of {$240000.00} of that money they only paid me around XXXX {$72000.00} and I have yet to get any of the money that were remaining back. 


I am the owner of the acct. see attachments driver license and social, XXXX XXXX. 
I can be reached at 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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a checking account on XX/XX/XXXX received email that my account was approved and logged into the mobile app. To start my new account I used my XXXX loan check to fund the account and deposited this check through the mobile check depositing feature. The next day I woke up to an email that my account was being closed in XXXX and that my check was delayed. Now Im getting an email ( XX/XX/XXXX ) that my check was deposited even though my account was being closed. I called citi bank to get further information on this and to have them issue my check back to me. They stated that I would have to wait XXXX days until they would close the account then they would send me a check of my funds in the mail. This is a horrible act in this economy I took this loan out to take care of some personal health issues and now Ive run out of options. Please help me

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 2025-07-03 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: OH

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity. 
Please see attached all backup information : Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending of inquiries on my credit report. This information needs to be addressed and removed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXX Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thanks in Advance

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 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I went into the One Main Finacial bank in XXXX, TX. I dealt with XXXX XXXX. She pressured me into taking a loan with her. One Main policy is that you can not take out a title loan in order to replace a current open lien. XXXX contacted the lien holder ( EECU ) and paid off the loan for me without my consent. She then sent off to the state to place the new lien on the vehicle through One Main. They also have a policy that is a 7 day money back guarantee if you pay the balance in full. The loan amount never went on to my credit. And it never showed that I paid off the loan in full. It actually doesnt exist on my credit report whatsoever. I then went to get a title for my vehicle and they stated that I did not own the vehicle anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFCAPSYS regarding an account I have with them XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00}, JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with JEFFCAPSYS buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I review my credit report and was shocked to learn that Ive been a victim of identity theft. Please remove this fraudulent account for my credit report. It is hurting my ability to attain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX acknowledged in a previous CFPB complaint response that they no longer own or service the account in question, stating that it was repurchased by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Despite this, XXXX XXXX continues to furnish data on the account to the credit bureaus. In their latest response, they attempt to justify their reporting by citing the 7-year rule under the Fair Credit Reporting Act ( FCRA ), claiming they can continue reporting until XX/XX/XXXX. This is a misinterpretation of the law. The 7-year rule under 15 U.S. Code 1681c ( a ) ( 4 ) allows accounts that were charged off or placed for collection to be reported for seven years from the date of first delinquencybut only by a creditor who still owns or services the account. Because XXXX XXXX no longer owns or services the account, they do not have legal authority to furnish data on it. Continuing to report an account they no longer have any legal interest in is a direct violation of : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reason to believe is inaccurate. 15 U.S. Code 1681s-2 ( b ) : Requires furnishers to investigate disputes and cease reporting unverifiable or unauthorized information. 15 U.S. Code 1681c ( a ) ( 4 ) : Limits the reporting of accounts charged off or placed for collection to 7 years from the date of first delinquencynot from the time they were previously owned. XXXX XXXX has confirmed they are no longer the creditor on this account. Their continued reporting is not only unauthorizedit is harmful to my credit standing and a clear violation of the FCRA. I am requesting that the CFPB enforce the deletion of this account from all credit bureaus and require XXXX XXXX to cease all furnishing activity on this account permanently.

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 2025-07-03 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint regarding a mishandled charge dispute for a purchase made at XXXX XXXX XXXX XXXX on XX/XX/year>, in the amount of {$830.00}. I returned the item in full on XX/XX/year>, and received a return receipt from XXXX via email confirming the return of the merchandise. I submitted this receipt to my credit card company, Wells Fargo, and followed all dispute protocols, including resubmitting proof on XX/XX/XXXX and again on XX/XX/XXXX. However, Wells Fargo denied my claim on XX/XX/year>, and rebilled my account for {$830.00}, stating the return was not accepted. When I called to ask for clarification, the representative admitted they didnt know why and told me to call XXXX XXXX I then contacted XXXX, and they told me to follow up with my bank. I was left in an endless cycle of finger-pointing, with no party accepting responsibility or providing a valid explanation. The call from Wells Fargo originated from XXXX. 

This situation is a direct violation of my rights under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and Regulation Z ( 12 CFR 1026.13 ). These laws are clear : as a consumer, I have the right to dispute a charge for merchandise that was returned, and creditors are required to conduct a timely and reasonable investigation. Instead, Wells Fargo accepted the merchants assertion that my receipt was manipulated without providing evidence or allowing me the opportunity to challenge that claim. Additionally, XXXX refuses to provide documentation to support their rejection and has offered no path to resolution. This lack of transparency, failure to conduct a proper investigation, and the accusation of document manipulation without proof is not only unjustit may constitute unfair or deceptive business practices under 15 U.S. Code 45 of the FTC Act and abusive conduct under 12 U.S. Code 5531 of the Consumer Financial Protection Act. 

I acted in good faith, followed all steps required to resolve this issue, and returned the item in accordance with XXXX  return policy. Despite this, I am being held financially liable for merchandise I no longer possess and have been forced to navigate an exhausting and one-sided process. I am requesting that the Consumer Financial Protection Bureau investigate this matter, require Wells Fargo to restore the {$830.00} refund, and ensure that both the bank and merchant are held accountable for violating consumer protection laws and denying me my rightful refund.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuit to Section 605b of the FCRA Transuion Equifax & Experian has failed to protect my consumer rights and remove fraudulent accounts and inquiries from my personal credit report Said accounts XXXX  XXXX XXXXAuto loan ( fraudulent auto loan did not do business with this creditor This account need to be removed asap I have provided proof I am now suing XXXX XXXX XXXX and will sue Experian if not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
For the last two months, Equifax, Experian and Transunion have been incorrectly, reporting my balances of accounts on my credit report which has resulted in me, losing out on being able to apply for a mortgage and has also involved me having to close credit accounts because my credit card companies had to increase my balance based off of inaccurate information.

Company response to consumer: Closed with explanation