vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX  credit reporting agency , block 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, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/year> with a balance of {$740.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My son 's Cashapp account was locked. They said because he put on comments the kids nickname which is " XXXX '' it was a 2 dollar transaction. The last time he was able to use his account was like on the XXXXXXXX XXXX XXXXXXXX XXXXI have been call the on just about on a weekly basis and all the say is they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have been contacted an obscene amount over the past month, the frequency of the calls far exceeds an acceptable amount. It is always a different phone number, it is every day and sometimes multiple times a day. I have already communicated that I am unable to pay at this time, and yet the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I am filing this complaint against [ Experian XXXX Equifax XXXX TransUnion ] for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ). 

I have formally disputed multiple charge-offs and collection accounts that are inaccurate, fraudulent, or unverifiable. Despite my disputes, the bureau continues to report these accounts without providing original source documentation from the creditor. 

Under FCRA 1681i, the bureau must conduct a reasonable reinvestigation. XXXX on automated parroted responses from furnishers does not meet this standard. 

Additionally, I provided an Identity Theft Report as defined in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ), which legally requires the bureau to block fraudulent accounts within XXXX business days. The bureau failed to comply. 

For Equifax specifically : due to the XXXX Equifax Data Breach, which compromised the accuracy and integrity of consumer files, continued reporting of unverifiable data violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ). 

These actions ( and inactions ) are causing direct harm to my creditworthiness, resulting in loss of financial opportunities. I am demanding immediate deletion of all disputed charge-offs and collection accounts that can not be verified with original documentation.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX i made a purchase on XXXX in the amount of {$210.00} via my paypal account, the order was cancelled on the same day, by XXXX and was told that the money would be held for XXXX business days, after that time the hold is still there, i ask paypal about the amount, they told me that XXXX has to cancel the authorization, so i call XXXX, they tell me the authorization will be removed in XXXX to XXXX hours, so i wait that time, money is still being held in authorization, i contact XXXX, they tell me that they have done all that they can legally do, so i contact paypal, paypal tells me XXXX has to do it on their paypal account, so i contact XXXX again and they just reiterate that they can't do anything and its up to paypal, now my money is stuck when i need it and neither entity is willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year> I received a call from XXXX XXXX about an electronic check someone presented. They asked if it was legitimate. It was not. The did not cash the check. When I got home, I looked at my Fifth Third account and discovered they had cashed an electronic check for {$9000.00}. It was signed " signature on file '' and it was not endorsed. 
I have never used electronic checks from Fifth Third. Their Fraud Dept. was closed ( at XXXX PM ) for the long holiday weekend. I went to my local branch to report the situation on XX/XX/XXXX. They asked someone from HQ to call me on XXXX. 
The report was made. They said I should file a police report. I did. The bank also said they would send documents. I had to call to ask when I would receive the docs. As we were approaching the XXXX month mark I called to check on the progress of my claim. 
I was told that Fifth Third denied my claim because the check came from my IP address. 
No paperwork or explanation was sent. I filed a claim with my insurance company. I called Fifth Third and learned that the bank reopened the claim. I have not heard from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
Create a report and consistency across all three bureaus on the XXXX account

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 2025-08-24 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:
Create a report and consistency across all three bureaus on the XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - 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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business checking account with Chase on XX/XX/year>. I deposited {$80000.00} into the account after it was opened ( after Chase 's wiring fee, the account had {$79000.00} ). However, my account was closed and my funds inside the account have been suspended around XX/XX/year>. After several attempts to find out what happened, Chase told me that they were not able to link my company to me using the Delaware Secretary of State website, so they closed my account and restricted me from accessing my funds. I registered my company in Delaware. Since I do not have an address in Delaware, I used a registered agent for my company, so on the Delaware Secretary of State website, the registered agent 's name and address are listed. Chase wanted me to ask Delaware Secretary of State to update their website to my name and address. I contacted Delaware Secretary of State and they said they could not do that. I have instead provided the company formation document from the state of Delaware to provide evidence that I formed the company and I am the sole owner of the company. I submitted the additional documents ( formation document and operating agreement ) with the bankers at the Chase branch in the XXXX and they said the documents I provided would normally be sufficient to open a business account and it is enough evidence to link me to my company ( the operating document has my name and address specified ). However, the Chase team that suspended my funds would not accept the formation document and only wanted to see my name on the Delaware Secretary of State website. However, I have no way of changing what is listed on the Delaware Secretary of State website. When I contacted them, they said they would never make the company 's owners ' names public. It has been more than XXXX months since Chase suspended my funds, and I have tried really hard to provide the evidence that I own my business. I really need access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
My identity was stolen to open a fraudulent account. About a month ago I was reviewing my credit account via XXXX XXXX and noticed an account that had been opened in XXXX of XXXX that did not belong to me. It was a student loan and the status showed that it was in deferred status until XX/XX/XXXX. The loan is now due and payable and does not belong to me. 

I filed XXXX disputes with TransUnion, both of which were responded to in XXXX business day with the results " information accurate. '' I filed a second dispute requesting the information they used to support that this account belonged to me. I was given yet another generic response that they determined the information was accurate. This is ridiculous as I am a XXXX old full-time working mother of XXXX ( all under the age of XXXX ) and I am not a student. It's also ridiculous because no actual reasonable investigation could have taken place in that short time. 

I also contacted the lender who apparently granted me this federal student loan of {$1700.00}. I was told I would receive a response within 15 days. It's been probably XXXX week and I have yet to receive a response. Below is the only information I have about the lender, which was taken from my XXXX XXXX account. It now shows up as XXXX separate accounts since it has become due and payable as of this month. 

XXXX XXXX XXXX - {$1700.00} Monthly Payment - {$50.00} Date Opened - XX/XX/XXXX Term - 39 months Status - Current XXXX XXXX - {$1700.00} Date Opened - XX/XX/XXXX Status - Open Remarks - Payment Deferred Lender Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have been dealing with MOHELA 's incompetence in processing my paperwork since XXXX. They recently approved my request to switch to IBR from SAVE. My monthly payment was supposed to begin on XX/XX/XXXX so that I can make payments toward PSLF. However, they sent me XXXX messages ( uploaded documents ) that indicate different monthly payments ( $ XXXX starting on XX/XX/XXXX, then $ XXXX starting on XX/XX/XXXX ). I spoke with the MOHELA representative, who informed me that they made an error and will need to submit a request to change, which will further delay the payment schedule to contribute to PSLF. Again, due to MOHELA 's incompetence to get things done correctly, it has caused further delays for me to start making payments for PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
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  Re : Cease and Desist Notice / Account # XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease all communication with me immediately regarding the alleged debt referenced above. 

I do not wish to receive phone calls, letters, emails, or any other form of contact from your agency, except as allowed by law, such as to : 1. Confirm that you will stop contacting me, or 2. Notify me of specific legal action you intend to take.

Please be advised that any further communication beyond what is legally permitted will be considered harassment and a violation of the FDCPA. Should you continue to contact me, I will document all instances and may pursue legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX and XXXX my bank account was hacked into it was a crypto scam I typed my Sofi checking account bank account number onto a website and they hacked into my bank account and bought crypto with MY money and even Sofi flagged it and said it looked suspicious on the one of the transactions for XXXX XXXX the platform they used to purchase crypto out of my account and Sofi has a XXXX XXXX Liability Policy where if you report unauthorized transactions within 60 days than the claim is vaild and they are trying to say no error has occurred when it's possible for a hacker to hack into a bank account and they are unable to trace that hacker down that is possible and when a hacker hacks into your bank account and steals your money it is illegal the Federal Computer Fraud and Abuse Act ( 18USC CODE 1030 ) which prohibits unauthorized access to computer systems they took about XXXX XXXX  from my SOFI bank account and I already called and filed a dispute with SOFI so I'm taking this further and I even have a Witness that saw everything go down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Fundo LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, XXXX advanced me {$1300.00} after fees but required {$3600.00} back ( XXXX XXXX % ) under a purchase of future receipts contract that functions as a high-interest installment loan. 
XX/XX/XXXX I asked to delay the first payment due by one week ; they refused. 
XX/XX/XXXX First debit posted. 
XX/XX/XXXX Second debit posted. 
XX/XX/XXXX I revoked ACH authorization in writing. 
XX/XX/XXXX XXXX replied that revocation would result in default plus {$1500.00} fee. 
XX/XX/XXXX XXXX moved the account to collections and added unlawful fees ( {$1500.00} default, {$1000.00} block ). 
XX/XX/XXXX Email warning of XXXX XXXX. 
XX/XX/XXXX Collections notice with another XXXX XXXX threat. 
XX/XX/XXXX Balance notice {$3400.00} ; collection text. 
XX/XX/XXXX Email : XXXX XXXX warning. 
XX/XX/XXXX Text : advance moved to collections. 
XX/XX/XXXX Email : seriously delinquent by 34 days, legal process escalated. Text urging contact. 
XX/XX/XXXX Text : will contact your references. 
XX/XX/XXXX I replied in writing to stop contacting me, citing FDCPA violations. 
XX/XX/XXXX Email : XXXX XXXX against my assets. Text : no payment arrangements. 
XX/XX/XXXX I sent a formal cease and desist letter requesting full accounting, written communication only, and no further calls, texts, or threats. 

XXXX has refused to provide a full accounting of payments/credits, and I had to involve my bank to block further withdrawals. These actions violate the XXXX ( post-revocation debits ), the FDCPA ( false legal threats, harassment, ignoring cease requests ), and constitute unfair/deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice / Account # XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease all communication with me immediately regarding the alleged debt referenced above. 

I do not wish to receive phone calls, letters, emails, or any other form of contact from your agency, except as allowed by law, such as to : 1. Confirm that you will stop contacting me, or 2. Notify me of specific legal action you intend to take.

Please be advised that any further communication beyond what is legally permitted will be considered harassment and a violation of the FDCPA. Should you continue to contact me, I will document all instances and may pursue legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
The XXXX XXXX Bank account being reported on my credit file is inaccurate and should not remain. This account has either been paid in full or is the result of identity theft/unauthorized use of my personal information. Despite this, it continues to appear as a negative tradeline, harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit bureaus are required to ensure the accuracy of the information they report. Continuing to report this account as delinquent or open when it is not accurate is unlawful. 

I am also invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692cc, and demand that the company cease all communication and collection activity related to this account.

I am requesting that : 1. All collection efforts immediately stop. 
2. The XXXX XXXX Bank tradeline for account XXXX be permanently deleted from Experian, Equifax, and XXXX. 
3. Written confirmation of deletion be provided within 15 days. 

Ongoing reporting of this account is harmful, inaccurate, and a violation of both the FCRA and FDCPA.

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