vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year> at XXXX I attempted to take {$200.00} out of my PayPal account using my PayPal debit card at XXXX, XXXX XXXX XXXX in XXXX XXXX, NY XXXX The transaction declined and the atm read a message that an error occurred and the atm was temporarily unavailable. I then saw the {$200.00} was taken from my account. The store employee stated that I would have to call the number on the atm which I did. I spoke to a representative and she stated that the XXXX transaction was declined by the bank and that the money should not have been taken and that I have to contact my bank/card company to get my money back. It is basically impossible to get help through PayPal without filling a XXXX their site. I filed a dispute case online and added all of the information. I did this right away. Hours later I got a message that my issue was being transferred and then nothing at all until XXXX when XXXX stated she was working on my case. Now its 15 hours later and still nothing and my money is not returned. A declined transaction should NOT have had my money taken and to hold it for 72+ hours is NOT acceptable. Again the transaction declined, I received no receipt and NO money. When calling the ATM company, they immediately saw and confirmed the transaction was completed. That was within a minute. PayPal has had THREE days and still nothing as they hold my {$200.00}!! The atm company said that I could file a Regulation E to ensure I get my money back from PayPal and I have asked PayPal that multiple times and they will not acknowledge it. I have also asked for a supervisor multiple times with no success. 

PayPal seems to refuse to escalate me to a manager or supervisor and I have made zero progress in more than 3 days. No one has apologized or acknowledged the error. 

I want my {$200.00} back. 

The atm did not give any money or a receipt as the transaction was declined. A picture of the atm sign with the atm company phone number is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received phone call from XXXX XXXX, phone XXXX instructing me to remove {$35000.00} from checking and savings account to avoid being prosecuted for drug charges. I was then instructed to go to a XXXX machine and deposit the money, which I did. Next I am to go to social security office on Monday, XX/XX/year>XXXX  to get a new social security card and get my money back, which I doubt will happen,

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 2025-04-05 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hi. 

I preordered an item from the company XXXX  on my XXXXXXXX XXXX XXXX The merchant charged me when I preordered. This was in XX/XX/XXXX. The amount was for {$900.00}. The merchant said the item would be delivered by XX/XX/XXXXXXXX  at latest. When it wasn't delivered in XXXX ( the merchant ended up being a scam ), I started a chargeback with the credit card company ( synchony bank ). The credit card company denied the chargeback with a generic response " No billing error has been detected on the account ''. I called in and asked what that meant. They said certain information wasn't provided, and said I should make another chargeback with the information. I provided the information they asked and started another chargeback but they denied it with the same generic reason, saying more information was needed. I provided them with that information. This went on for 5 more times of them denying it with the same generic reason. But each time when I called in they would give a different excuse. One time they said " The reason we are denying your dispute is because " it is part of the merchant 's policies that you must get your refund directly from them ''. Another time they said the document I sent them was blurry. The merchant can't be contacted ( they were a scam ), and I think the bank realizes this, so they are just trying to make any excuse not to refund me : ( I hope the cfpb can help

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 monetary relief
Consumer complaint received 2025-04-05 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: SC

Complaint narrative:
The following accounts are disputed : -- - **Account # 1 : ** Name : XXXX / XXXX Account Number : XXXX Status : Fraudulent / Result of Identity Theft Evidence : Screenshot proof, FTC Report ( Experian-specific ). 
**Account # XXXX : ** Name : XXXX XXXX XXXX Account Number : XXXX Status : Fraudulent / Identity Theft victim impact Evidence : Screenshot proof, contract inconsistencies, FTC Report. 
**Account # XXXX : ** Name : XXXX XXXX XXXX ( Collection ) Account Number : XXXX Status : Fraudulent / Collection of compromised account Evidence : FTC Report, screenshot, lack of full validation.

Additionally, personal profile discrepancies include : - Remove ALL addresses not associated with XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
- Remove ALL inaccurate phone numbers. My accurate number is XXXX. 
- Remove ALL variations of my name not matching 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 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : DEPT OF EDXXXX XXXX Dispute DEPT OF EDXXXX XXXX Dispute DEPT OF EDXXXX XXXX Dispute DEPT OF EDXXXX XXXX Dispute DEPT OF EDXXXX XXXX Dispute DEPT OF EDXXXX XXXX Dispute DEPT OF ED/XXXX  XXXX Dispute DEPT OF ED/XXXX XXXXXXXX Dispute DEPT OF EDXXXX XXXX Dispute DEPT OF ED/XXXX XXXXXXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute US DEPT OF EDUCATION XXXX Dispute XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Attached I have a self attestant signed by a state governmental entity, which is listed as one of the acceptable XXXX  determination documents. 
According to the FCRA, consumer reporting agencies can only deny or rescind a block in limited circumstances : 1. The identity of the survivor can not be reasonably confirmed ; 2. The survivor did not provide documentation from an accepted source determining that they are a victim of XXXX  ; and/or 3. The consumer reporting agency can not identify the adverse credit information to be blocked.

Sincerely, 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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently deposited my money into my savings account and it was moved and I didnt move it because it just happened to be my rent money. Which is due on the XXXX of the month. The people who work for Citibank has a language barrier and they dont know how to talk to customers about their money so I got to wait until a letter comes in the mail because they couldnt identify me because my phone number begins with the pre fix XXXX which is a new area code in California . They are trying to tell me that the only way they can authenticate me! By asking me for a phone number that means anyone can contact them and access my 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 monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX ASSOCIATED WITH XXXX XXXX AND XXXX XXXX ( XXXX ) XXXX AND ( XXXX ) XXXX ATTACH WITH TEXT MESSAGES SENT MOBLE CHECKS IN MY BANK WITH ME AND MY BANK PERMISSION MOBILE CHECKS WERE PENDING AND CLEARD WITHIN XXXX FUNDS WENT AVAILABLE FOR USE I FOLLOWED THE IN STRUCTIONS OF DEPOSITOR ON TRANSFERRING THE FUNDS ON XXXX  GIFT CARD {$3000.00} WAS ABOUT THE TOTAL FUNDS THAT CITIBANK ALLOWED IN MY CHECKING ACCOUNT YES CITIBANK HEADQUARTERS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CITI BANK PUT MY ACCOUNT IN - {$3000.00} AND TOOK MY XXXX MONTLY DEPOSIT WERE AS I HAVE SCHEDULED PAYMENTS EACH MONTH NOW I CANT PROCESS LOANS OR PAYMENTS CITIBANK SAID MY WAS OVERDRAWN AND FUNDS WAS NOT COLLECTED FROM THE MOBILE CHECK DEPOSITORS WHICH TOOK MY XXXX MONTHLY DIRECT DEPOSIT FROM XXXX XXXX XXXXXX/XX/year> THERE WAS NOT OVER DRAFT FUNDS SPENT AND THE BANK CLEAR FOR FUNDS TO BE SPENT FROM DEPOSITORS. I HAVE PROVIDED INFORMATION CONCERNING BY BANK AND DEPOSITORS CITIBANK CLOSED MY ACCOUNT WITHOUT MY PERMISSION IN THE ATTACHMENT SECTION

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights.

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 inaccurat

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NC

Complaint narrative:
Equifax Transunion will not deleted nor remove my hard inquiries when I report identity fraud last year due to my car getting stolen with all my personal information and bank information. Someone was using my information to try and get car loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
RE : Final Notice to Delete Inaccurate Charged-Off Account XXXX XXXX XXXX A final notice and follow-up to multiple formal complaints I have filed regarding the reporting of an inaccurate and unlawful charged-off account ( XXXX ) on my consumer credit file. This account is factually and legally incorrect, and your continued failure to remove it constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Bureau ( CFPB ) rules.


This account must be deleted based on the following : 1. FCRA 602 ( A ), 604, 611, 623 You are required to ensure all data reported is accurate and verified. This account is neither. 2. FCRA 607 ( b ) You must follow reasonable procedures to ensure accuracy, which you have failed to do. 3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item can not be verified within 30 days, it must be deleted immediately. 4. 15 U.S.C. 1681s-2 ( b ) XXXX, as a data furnisher, is required to investigate and correct or delete any inaccurate information.

5. FDCPA 807 ( 8 ), 809 Reporting a disputed debt without marking it as disputed is deceptive and illegal.

6. Use Code 001A Not mine 7. Use Code 001B Inaccurate account information 8. Use Code 002A Re-aged account 9. Use Code 003A Account paid before charge-off 10. Use Code 004A Duplicate account 11. Use Code 005A Invalid date of last activity 12. Use Code 006A Incorrect balance 13. Use Code 007A Account never late 14. Use Code 008A Identity theft involved 15. Use Code 009A Obsolete account ( 7-year reporting period exceeded ) 16. Use Code 010A Violates state/federal lending laws 17. Use Code 011A No documentation provided upon request 18. Use Code 012A Re-aged or continued reporting in bad faith DEMAND FOR REMOVAL & COMPENSATION DELETE this account immediately from all reporting agencies ( Equifax, Experian, XXXX ). 

Cease all future reporting of this account and issue confirmation in writing.

Compensate me for damages caused by false reporting, including harm to credit, loan denials, emotional distress, and opportunity losses. You are liable under 15 U.S. Code 1681n and 1681o for negligent and willful violations.

If I do not receive written confirmation of deletion and resolution within 15 business days, I will proceed with the following : File suit in state and/or federal court for FCRA, FDCPA, and defamation violations.

Seek statutory, punitive, and actual damages, as well as attorneys fees.

File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and the Federal Trade Commission ( FTC ).

This is not a request ; this is a formal legal demand backed by federal law. I have kept detailed records of all my previous communications.

Govern yourself accordingly.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements.

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account Number XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you.

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office.

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland credit management is saying I owe them a debt of XXXX when I never had an account with them according to 15 usc 1692c they have violated my rights by unlawful communications please remove this collection off of my credit report thank you Ive never had an account with this company before and would like to ask for 15 U.S.C 1681 and 15 U.S.C 1681g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to temporarily lift a freeze in my equifax credit score but the computer system did not allow it, so I called equifax and got an AI helper who could not help me. I need to unfreeze my credit ASAP to open a bank account but can't do so because my credit is freezed. I have experienced this issue several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-06 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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