vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year> I executed a bank transfer from my PayPal account to XXXX Bank, NA in the amount of {$5900.00}, PayPal charged me {$25.00} for the transfer to date as of XX/XX/year> it has been XXXX  days and I have still not received the funds or been refunded my fee. I have contacted the resolution center XXXX times with XXXX hours of time mitigating and trying to rectify this error and I have most all of the telephone calls recorded. I have signed letters now from top level banking officials from multiple locations stating this transaction has not traversed their system at all. XXXX of them has been submitted to PayPal and they have not addressed it, attached is the second letter. I have declarations from PayPal representatives and managers stating at XXXX point it was their issue and they recalled the $ and I would have it on a specific date. This also did not occur and they have closed my ticket not allowing me to re-open it. I have demanded access to higher level team members to continue internal escalation but have been denied. I turned the focus to my bank for help, they are substantiating my claims as they have also been a part of this for XXXX of the 4 months. PayPal continues to claim they have a completed transaction and XXXX Bank continues to prove there are no funds on their network. Also now I have documented proof that $ flows properly inbound and outbound on multiple routing $ 's and can be substantiated by PayPal on the back end now. Their claims that they have a confirmed transaction only means that is from someone and somewhere else at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
In XXXX, SoFi restricted my account. They said the account is for closure and they would send me a check if I was eligible for the money left in the account. After over a month, no closure has been done and thus, no check has been received. 
The said funds were partly savings and money to be paid to my contractor. 
Now, my contractor has stopped working as I havent been able to pay him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I had a foreclosure auction set for XXXX on XXXX. I was able to secure a buyer for the property but they needed a payoff statement in order to move forward with the purchase. I contacted the trustee and or attorneys office on my foreclosure notice and per their recorded message I proceeded with an email requesting the payoff statement XXXX at XXXX. The attorneys office tesponded via email an referred me to contact Nationstar which I did but they had no account on file for me an hadnt for almost 2 years now. So I emailed the attorney again advised nationstar no longer had an account for me it was Rushmore servicing. They then said to contact Rushmore. Rushmore when I called them via phone I was told they could not give me a payoff quote they would have to order one. I advised my homw was going up for auction the next day so I needed this information so my buyer could pay them off an stop the foreclosure. They said they could not provide me with the information. So I ordered a payoff request through my online account myself. I then contacted the attorneys office again stating it would be XXXX days per Rushmore and auction is set for tomorrow morning so what do I do now? I cant get them paid without an invoice. They referred me back to Nationstar again. Its now 2 hours later and still can not get the information needed to stop the action. Ive contacted Rushmore again to speak to a manager who told me the same thing no payoff statement would be issued for XXXX days and I should of requested it earlier. I then email the attorneys office again and tell them nationstar has no account and Rushmore cant provide so how do I get the dollar amount to stop the auction and pay this off. My buyer could not move forward without a payoff invoice. They need to know where the money is going and to make sure its being paid off liens released etc. The attorneys office emails me back and states they must be paid in full by the end of the business day in their office or the auction will continue then they state they put in a request for the payoff information an they will let me know if they get it in. I never hear back from them. I go ahead and authorize my buyer as a third party point of contact on my mortgage with Rushmore servicing. We were told the auction would be held as long as they sent the contract and the funding paperwork over. My buyer has his financial dept send right away. Rushmore went ahead with the auction an my property has now been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-26 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: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>/2021, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Reliant Capital Solutions, LLC
State: AL

Complaint narrative:
I have reached out to these creditors several times, no resolve. I was not made aware of these collections before the original creditors sold these unknown accounts. I have sent letters for immediate removal of these accounts and no response, it has almost been 90 days. Please remove from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
Per federal law ( 15 U.S. Code 1681g ), delete the disputed entries within 15 days.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I filed a previous complaint with the CBFP against Suncoast Federal Credit Union. Suncoast agreed to remove the late mark and notify XXXX  to repair my credit. Instead of a correction they sent fake charge off notices to XXXX which dropped my score an additional XXXX points after complaining to the CBFP. XXXX  has records sent by Suncoast saying I was not making payments but I have bank statments showing they were cashing my checks. XXXX  has simply ignored my bank statements which show payments were made and Suncoast was cashing them. XXXX  is not correcting information and I've included dates of the payments recieved and shown when they were taken out of my bank account. The XXXX website stating I made no payments for 3 months starting XX/XX/year> and a single payment of {$3700.00} on XX/XX/year>. This is completely false information provided by Suncoast to XXXX. I have included a screenshot of the cashed checks to Suncoast from my bank account for the months they said no payment was recieved. I also included a screenshot of the false information the gave XXXX. This was a false payment history, they simply fabricated the amount was charged off and couldnt recoup the money while they knowingly were cashing checks from my bank account. This issue is still not resolved and Suncoast has done absolutely nothing to correct it. They even went so far to report additional false claims they made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy/Citibank bank closed my account which was in good standing I paid the total balance off XX/XX/year> and haven't use the card since. Then on XX/XX/XXXX the company closed my account stating the decision was made based on a credit scoring system that assigned a numerical value to various items on your credit report. The result did not meet our requirements. I didn't ask for a credit increase so I'm baffle that they ran my credit and decided to close my account since it was in good standing I'm very upset that they did this. Anytime a company runs a credit report it makes your credit score go down I have not missed any debt payment I owe. I have been working hard to raise my credit score. The company wasn't given approval by me to run my credit report.

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 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the fraudulent accounts being reported under my credit profile. I have no association with these accounts, and their inclusion is inaccurate, harmful, and misleading. The presence of these accounts is damaging my financial credibility and must be rectified without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
This letter serves as a dispute of the late payment currently reported on my credit profile. The entry is incorrect, inconsistent with my documented payment records, and unjustly damaging to my credit reputation.

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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: MI

Complaint narrative:
XXXX XXXX  and their counsel at XXXX XXXX XXXX XXXX initiated a lawsuit against me on XX/XX/XXXX, without sending me the initial debt collection notice. I elected arbitration and contacted both XXXX XXXX  and their counsel on XX/XX/XXXX, and again in XX/XX/XXXX, both my mail and email. I was ignored both times. They continued to litigate against me and I filed a motion to stay for arbitration and the judge ordered it. After the XXXX XXXX XXXX accepted the case, XXXX XXXX  and their counsel still continued to ignore me and failed to pay their share of fees for arbitration. The XXXX XXXX XXXX then closed the case due to XXXX XXXX  and their counsel 's non-compliance and then asked XXXX XXXX  to remove the XXXX XXXX XXXX 's name from their arbitration clauses to not confuse the public.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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