vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
CFPB Complaint Cash App Negligence and Consumer Safety Issue Company : Block, Inc. ( Cash App ) Product : Mobile or digital wallet Issue : Fraud or scam company failed to protect funds or investigate criminal incident -- - What happened : On XX/XX/year>, I accidentally sent {$40.00} through Cash App to another user. I immediately contacted the recipient and asked for the money back. The recipient refused to return the funds and threatened me with a firearm when I confronted them in person. 

I reported this to Cash App right away, explaining that I was the victim of a criminal act and feared for my safety. Instead of providing assistance, Cash App representatives repeatedly told me to ask politely for the money back. This advice disregarded my safety, minimized a serious threat, and failed to address a clear criminal incident involving their platform. 

Cash App has the technical ability to reverse transactions or lock fraudulent accounts but chose not to act. Their refusal to investigate or assist constitutes negligence and failure to follow reasonable consumer protection standards under Regulation E of the Electronic Fund Transfer Act.

I should not be forced to risk my life or engage with a violent offender to recover my funds. I believe Cash Apps inaction endangers consumers and enables criminal behavior on their platform. 


-- - Resolution I am seeking : I am requesting that Cash App : 1. Refund the {$40.00} sent in error, 2. Investigate and take action against the recipients account, and 3. Issue a formal apology and assurance that their customer safety and fraud response processes will be reviewed and corrected.

If this issue is not resolved promptly, I intend to pursue small claims litigation in XXXX XXXX, New York for negligence, emotional distress, and failure to protect consumers from criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: NY

Complaint narrative:
Unifin is now contacting my wife telling her that she could lose the house if she doesn't settle my old debt ( I never had a XXXX XXXX XXXX XXXX  I have XXXX XXXX XXXX that I still currently have and use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Product : Bank account or service Issue : Fraud or scam Company : JPMorgan Chase Bank , N.A . 

I was the victim of a sophisticated employment scam that induced me to send funds through my Chase account under false pretenses. The scam involved a fraudulent website ( XXXX  ) and XXXX XXXX where I was told I would be paid for watching videos. The scammers convinced me to deposit funds into what they described as a managed trading wallet. I authorized the transactions because I believed the opportunity to be legitimate. This was a fraud-induced transaction, not a legitimate purchase or investment. 

Chase denied my fraud claim, citing that the transactions were authorized. However, this does not align with the protections of RegulationE ( XXXX ). I was deceived into initiating these transactions, which should be classified as unauthorized EFTs under deception-induced fraud. The scammers used an anonymously registered domain hosted behind XXXX and operated internationally. 

I promptly reported the incident to : FBI IC3 ( Internet Crime Complaint Center ) FTC ReportFraud.gov Local law enforcement Chase has refused to provide any meaningful reinvestigation or escalation. I am requesting that the CFPB review this case, ensure Chase complies with federal regulations, and hold them accountable for denying fraud protection in cases of clear deception. 
Amount lost : {$7500.00} Date range : XXXX Domain : XXXX Platform used by scammers XXXX XXXX XXXX Reports filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I still show on my credit report that I am 90 days delinquent back in XXXX, XXXX, XXXX. I have a letter that an administrative forbearance has been applied to my account during this time due to natural disaster. I should not be reported as late as I was permitted to delay the payment. Please remove. The account is up to date now and I was entitled to delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PLANET HOME LENDING, LLC
State: ID

Complaint narrative:
I was in the hospital for XXXX and XXXX and requested for a modification and was told that it had to be 90 days late and that it would take 3-6 months before I hear anything. Now I 8 months late... I would luke that to get removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed some inaccuracies thats reporting on my report the accounts thats reporting wasnt authorized. These accounts need to be removed asap

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 2025-10-29 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: FL

Complaint narrative:
I am responding to Shellpoint Mortgage Servicings XX/XX/year>, correspondence regarding my HELOC modification request. While Shellpoint claims to have completed a proper review, their proposed terms are predatory and unsustainable. 
Shellpoint offered a step-rate modification starting at XXXX  %, increasing to XXXX %, with a balloon payment of {$46000.00} and over {$22000.00} in capitalized arrears. This offer would trap me in unaffordable debt despite significant equity in my home. They have not explained how these figures were calculated or provided any documentation showing investor restrictions or underwriting analysis. 
The companys response also fails to comply with 12 C.F.R. 1024.36 and 1024.41, which require servicers to conduct a reasonable, good-faith review of all loss-mitigation options and provide transparent information about their determinations. I have repeatedly submitted all requested documents, yet Shellpoint has closed my applications without cause. 
I believe XXXX actions amount to predatory servicing and bad-faith modification practices, designed to force unaffordable repayment instead of providing sustainable options. 
I respectfully request that the CFPB : Direct Shellpoint to provide investor guidelines and loss-mitigation calculations Require a reevaluation for an affordable modification Review whether their servicing practices violate Regulation X or other consumer protection standard Thank you for your continued assistance in reviewing this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-10-29 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is reporting an inaccurate account on my XXXX XXXX and XXXX report. I requested validation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, but they failed to provide proof. I am requesting deletion of this unverifiable account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, USAA accepted and cashed a {$26000.00} non-conforming settlement check from XXXX to pay off my auto loan. Despite accepting the funds, USAA has continued to report the loan as open and past due instead of showing it as paid in full. 

The vehicle title shows that USAAs lien was officially released on XX/XX/year>, confirming the payoff. On XX/XX/year>, USAA sent me a letter confirming that the loan was paid off and that they no longer have any financial interest in the vehicle. 

Even with this documentation, USAA has not corrected the inaccurate reporting on my credit report. It still shows the account as active and delinquent, which is harming my credit history. 

I have attached the following supporting documents : Cancelled XXXX check showing USAAs deposit on XX/XX/year> Vehicle title showing XXXX release on XX/XX/year> USAA letter dated XX/XX/year>, confirming the loan payoff and lien release

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 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: CA

Complaint narrative:
Subject : Fraudulent Debt Collection Attempt Impersonation of Legitimate Medical Billing To the Consumer Financial Protection Bureau, I am writing to report a fraudulent debt collection attempt by a company identifying itself as CBC Services. The caller claimed to represent a legitimate medical provider I use and attempted to collect payment on what I have confirmed to be a nonexistent medical debt. 

Incident Details : Date of Contact : XX/XX/year> Company Name Used : XXXXBC Services Amount Claimed : {$790.00} ( offered XXXX % discount if paid same day ) Method of Contact : Telephone and Email Behavior : Aggressive and persistent multiple callbacks after I declined to pay The caller provided several details that matched real information about my medical provider, including the providers name and a date of service. However, other details such as the account number, payment amount, and my mailing address were incorrect ( it was my old mailing address ). 

They insisted that I make payment over the phone and refused to provide a physical mailing address. I requested a written bill and gave them my email address. They sent a PDF statement with no itemization only a date of service and amount due. 

After contacting my legitimate medical provider directly, I was told that : My account for that date of service is paid in full, and The provider is not affiliated with any company named CBC Services, and has received other reports of similar fraudulent collection attempts.

Actions I Have Taken : Verified with my medical provider that no balance was owed.

Saved the call logs, the email, and the PDF for documentation. 
Filed a complaint with the California Attorney General, XXXX XXXX Deleted the email and ran antivirus scans as a precaution. 


Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Issue : PayPal permanently limited my account without explanation, blocking access to wages. 

Details : I am a XXXX XXXX  whose employer pays exclusively via PayPal. My account was recently permanently limited without any explanation, despite having no violations of PayPals Acceptable Use Policy or their User Agreement. I use the account solely to receive wages and make occasional personal ( legal ) payments.

PayPal has not provided a reason for the limitation and has denied access to my funds. This has caused extreme financial hardship and disrupted my ability to receive income. My current employment offers pay far beyond what I have ever recieved and could recieve elsewhere. Loss of my PayPal account equals the loss of this very much needed job. I have no way to recieve money elsewhere and the only money I have available is through this PayPal account. 

I am requesting that PayPal reverses the limitation and allows me to withdraw my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate, inconsistent, and unverifiable items on my credit report with TransUnion,. Despite my efforts to dispute these items directly with the bureaus, the errors remain unresolved. 

I am disputing several inaccurate and inconsistent items on my TransUnion credit report under 15 U.S.C. 1681i, 1681e ( b ), and 1681g ( a ) ( 1 ) ( A ). I request that these accounts be verified and deleted immediately if unverifiable : Disputed Accounts ( TransUnion Only or All Bureaus ) 1. XXXX High credit mismatch : {$690.00} TU vs. {$0.00} EXP vs. {$590.00} EQF Request : Correct or delete if unverifiable. 
2. XXXXXXXX XXXX XXXXXXXX ( XXXX ) Collection {$530.00} ; activity date differs ( XX/XX/year> TU vs. XX/XX/year> EXP vs. XX/XX/year> EQF ) Request : Verify or delete. 
3. XXXXXXXX XXXX XXXX  ( Crunch Boy Scout ) {$280.00} collection ; missing on EXP and EQF Request : Delete if unverifiable. 
4. XXXX XXXX XXXX # XXXX Late payment XXXX ; inconsistent with EXP Request : Correct discrepancies or delete. 
5. XXXX XXXX XXXX # XXXX Late payment XXXX ; closed account ; inconsistent dates Request : Correct or delete. 
6. XXXX XXXX XXXX XXXX XXXX  ) Late payment XXXX ; EXP reports XXXX XXXX : Delete if unverifiable. 
7. XXXX ( XXXX XXXX ) XXXX history inconsistent with EQF Request : Correct or delete. 
8. XXXX XXXXXXXX Post-closure late payments shown ; account already paid/closed Request : Delete and correct status.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service International Corp
State: FL

Complaint narrative:
I am unaware of the debt that Credit Service Intl says I owe. I was not given the right to dispute said debt nor did i receive anything in writing giving me the option to dispute the debt. I have no knowledge of said debt. I never received written communication from Credit Service Intl informing me they were attempting to collect a debt before inserting such negative and inaccurate information. I never received validation of the debt from credit Service Intl. There are several duplicated accounts from Credit Service Intl reflected on my report. I am requesting Credit Service Intl to cease all communication with me. I am further requesting their company to stop reporting of the following accounts while in dispute : 1 ) Credit Service Intl, account number XXXX, opened XX/XX/XXXX for {$1300.00} 2 ) Credit Service Intl, account number XXXX, opened XX/XX/XXXX for {$1300.00} 3 ) Credit Service Intl, account number XXXX, opened XX/XX/XXXX for {$1400.00} 4 ) Credit Service Intl, account number XXXX, opened XX/XX/XXXX for {$1300.00} 5 ) Credit Service Intl, account number XXXX, opened XX/XX/XXXX for {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation