vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have a hair business where I service clients. I connected my booking site to PayPal for the monthly special im running. All my money has been doing to PayPal. I can not access my funds to transfer to my checking account. They have restricted my account for a month. They told me it would take XXXX business days XXXX XXXX. So I waited. and then told me once I called after the XXXX week that they processed it and it should take XXXX minutes for my funds to appear as available. THEN once I called again because the money was not available to withdraw, they said it would take XXXX days. They charged my card XXXX for verification. On top of charging a processing fee.. The total amount is XXXX XXXX XXXX. The company is PayPal. I have hung up on and misled about money I have earned and they have on hold for no reason. Ive sent money out numerous times and Ive had the account for going on XXXX  years. Ive verified my identity and did all I could for my funds to be released immediately within the time frame they first gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXXXXXX 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 XXXXXXXX SC XXXX ] ( XXXX ) XXXX Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) XXXX XXXX  To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the alleged debt referenced in your prior correspondence.

Under the law, once you receive this letter, you may not contact me again except to : 1. Advise me that your further efforts are being terminated ; 2. Notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or 3. Notify me that you intend to invoke a specified remedy. 



Be advised that any further contact by your agency or its representatives, except as permitted by law, will be considered a violation of the FDCPA and may result in my taking appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office. 

This letter is not to be construed as an acknowledgment of the validity of the alleged debt, nor a waiver of any of my rights under federal or state law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Charles Schwab Wire Transfers & Fraud Department, I am XXXX XXXX owner of XXXX XXXX XXXX, writing regarding the following incoming wire transfer sent from a XXXX XXXX account to my XXXX  XXXX business account : Wire Amount : {$40000.00} Transaction / Case ID : XXXX Date Posted : XX/XX/year> Sender : XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Recipient : XXXX XXXX XXXX Receiving Account Ending : XXXX Shortly after this transfer was received, Capital XXXX placed a third-party hard hold on my account. As a result, I am currently unable to access or use the funds until their investigation is completed. 



Purpose of my inquiry I respectfully request confirmation from XXXX XXXX whether : XXXX any recall, dispute, or fraud investigation has been initiated regarding this {$40000.00} wire ; or XXXX any fraud complaint or inquiry has been submitted by the sender, XXXX XXXX XXXX XXXX 

This transfer was part of a legitimate and verified transaction conducted on XXXX, a regulated peer-to-peer cryptocurrency marketplace. 
The transaction was completed in full, and the sender successfully passed : full XXXX  identity verification, document verification, live video verification, and received the invoice for the purchase. 

XXXX was delivered to the sender according to the agreed terms. 

I am prepared to provide complete documentation, including : trade communication logs, XXXX verification results, blockchain proof of asset delivery, invoice, and any other supporting evidence. 

Please advise where these materials should be submitted for your review. 
Potential Double Spend Fraud The sender is now claiming that no value was received.

If no recall or dispute has been initiated on your end, this may indicate a double spend fraud attempt, where the sender receives the asset and later attempts to reverse or deny the payment. 

In such case, I will be obligated to report the incident to law-enforcement authorities ( including the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), providing : full XXXX  data, blockchain evidence, invoice, complete communication logs, and all documentation related to this transaction. 

LocalCoinSwap support can independently confirm that the transaction was completed correctly and that the sender received the cryptocurrency. 
My request Please confirm : 1. whether Charles Schwab has any open cases or concerns regarding this transaction ; 2. whether any recall, dispute, or fraud inquiry has been initiated by the sender ; 3. where I should submit complete supporting documentation for your internal review. 

Thank you for your attention and cooperation. I am ready to provide any information required

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In early XX/XX/year>, the consumer requested a full loan payoff statement from their mortgage servicer in order to close escrow on the sale of their property. The servicer provided an initial payoff amount, but the escrow company later identified that the servicer failed to include a third loan related to a forbearance agreement. Because this balance was omitted, the payoff figure was incomplete and prevented the escrow from proceeding. 
Beginning in late XX/XX/year>, the consumer and the escrow company repeatedly contacted the servicerby phone and emailrequesting an updated payoff statement that included all outstanding loans, including the forbearance balance. The servicer acknowledged the requests but did not provide the corrected payoff amount. 
The scheduled close of escrow was XX/XX/year>, but that date has now passed due to the servicers failure to issue an accurate and complete payoff statement. This delay is causing financial and contractual issues for all parties involved, as escrow can not move forward without the correct payoff. 
The complaint is being submitted by another involved party in the same escrow, who is attempting to proactively help resolve the issue, since no other party in the transaction has taken steps to escalate this matter. The consumer is requesting assistance in obtaining a timely, accurate payoff statement that reflects all outstanding loan balances so the transaction can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XXXX XXXX  and XXXX caused missed payments. Chase charged off the account and did not consider hardship. 
Requested : Review hardship Validate reporting Consider goodwill deletion Remove inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: WA

Complaint narrative:
I am writing to bring to your attention a significant inaccuracy in my consumer file and to request the removal of the erroneous address information. The address ( es ) currently being reported and attributed to me are : XXXX, XXXX, XXXX ( reported XXXX ) XXXX, XXXX, XXXX ( reported XXXX ) These addresses are not my current, past, or associated addresses, and I have never resided at either one. Their presence in my credit file is inaccurate, misleading and may lead to confusion in credit reporting, identity verification, or adverse decisions based on mistaken residence information.

Under the FCRA, I have rights and you have obligations : As a consumer reporting agency, you are required by 15U.S.C.1681e ( b ) to follow reasonable procedures to assure maximum possibl
e accuracy of the information concerning the individual about whom the report relates.

As a furnisher of information, you are obligated under 15U.S.C.1681s2 ( a ) ( 1 ) ( A ) not to furnish any information with actual knowledge of errors, and under 1681s2 ( a ) ( 2 ) to correct and update information that you know is not complete or accurate.

Additionally, when a consumer such as myself disputes the accuracy or completeness of information, furnishers must investigate and report results, per 1681s2 ( b ).

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 2025-11-13 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:
On XX/XX/XXXX I cashed a check to my business account XXXX XXXX XXXX While the check cleared and funds were good chase goes and locks my account freezing funds from my account I call to see whats going on, chase says they have to verify the check from the issuer I give them the number to the check issuer and now theyre saying the number isnt verified in there system which doesnt make sense, the number chase claims thats in their system is an old number from the other party that doesnt exist anymore so it doesnt go through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am a victim of identity theft resulting from the XXXX  data breach. Fraudulent accounts have appeared on my credit report, including XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Caine & Weiner, XXXX XXXX XXXX XXXXXXXX. I have contacted XXXX  demanding deletion under FCRA 605B and provided documentation, but I have not received confirmation of removal. I am submitting this complaint to request CFPB assistance in ensuring these accounts are permanently removed and to document my identity-theft claim. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Data Breach XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report. 

2. Data Breach XXXX XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report. 

3. Data Breach XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report. 

4. Data Breach XXXX XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TekCollect Inc.
State: MI

Complaint narrative:
Legal Violations The following potential legal violations have occurred : FCRA ( XXXX  and TEK-COLLECT ) - Section 1681s-2 ( b ) : Failure to conduct a reasonable reinvestigation - Section 1681e ( b ) : Failure to ensure accuracy of furnished information - Section 1681i ( a ) ( 1 ) ( A ) : Quick dispute closure without validation - Section 1681s-2 ( a ) ( 3 ) : Continuing to report information known to be disputed - Section 1681i ( c ) : Potential failure to flag the tradeline as disputed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to MERCEDES BENZ FINANCIAL XXXX XX/XX/2025, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), MERCEDES BENZ FINANCIAL, N.A. has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. 
Since MERCEDES BENZ FINANCIAL. did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure MERCEDES BENZ FINANCIALs immediate compliance with FCRA requirements. MERCEDES BENZ FINANCIA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRIAD FINANCIAL SERVICES, INC.
State: MO

Complaint narrative:
My mortgage loan is serviced by Triad Financial Services , Inc . 
XXXX. I have identified multiple accounting errors in the loan servicing records between XX/XX/XXXX and XX/XX/XXXX, including misapplied payments, duplicate entries, and unexplained escrow and suspense account adjustments. 
XXXX. These issues have caused me severe financial and emotional hardship. Following a medical condition that required XXXX months of leave from work, I used my entire XXXX ( k ) to remain current on my mortgage. Despite these efforts, Triads accounting mistakes created false delinquency notices and threats of foreclosure. 
XXXX. I have sent a federal Notice of Error and Demand for Correction under RESPA and TILA, and request that no foreclosure or sale occur until the investigation is completed and my account corrected. And the company that I rent the lot from is violating anti-kickback laws. That companys name is XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting false and misleading information on my credit report in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

The account listed as PORTFOLIO RECOV ASSOC with the original creditor XXXX XXXX. and account number XXXX is being reported with a balance of {$11000.00}. However, the original creditor confirmed that the actual balance is {$11000.00}. This account was also settled directly with the original creditor, meaning Portfolio Recovery Associates has no valid basis to continue reporting or collecting on it. 

Reporting any inaccurate balance, even if it appears lower, is still a violation because it misrepresents the true status and amount of the account. This conduct fails to meet the accuracy standards required under the Fair Credit Reporting Act and the prohibition against false or misleading representations under the Fair Debt Collection Practices Act. 

I am requesting that this account be removed from my credit report immediately or updated to show the correct balance and settled status. If this issue is not corrected, I will pursue further action to protect my rights.

Company response to consumer: Closed with explanation