vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
I enrolled in a program with Clarity Debt Resolutions to make arrangements to settle my credit card debt. I was told that if I paid {$350.00} for XXXX  months my debt would be settled. That was in XXXX XXXX. They made arrangements with XXXX company ( XXXX ). They have never contacted the other XXXX companies ( XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX ). Recently, I contacted them to find out they are collecting over {$100.00} a month in fees that were never discussed. I asked them when I signed up to give me a detailed list of fees they charge. Apparently, they were other fees buried in the XXXX page document they had me sign. I realize I am at fault for not thoroughly reading the contract. However, they recently told me that my payment schedule is over 60 months. That is XXXX years more than I agreed to. Meanwhile, they have been keeping {$250.00} each month in an account. When I checked the account, it says my balance is {$210.00}. I have been paying for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I sent Chase Bank a 1099-A, which in return the Department of Treasury paid off this loan in full, which Chase Bank sent me a 1099-OID to apply a payment/credit to this loan and a 1099-C to cancel the debt, which is attached in this complaint. I have the IRS forms from Chase Bank showing proof that this loan debt has been cancelled and a credit was issued by the Department of Treasury to apply to pay off the loan, but it is not showing paid through my portal. Please update my balance to {$0.00}, which I am no longer liable for this debt because a credit was already applied to Chase Bank from the Department of the Treasury. Please check and adjust a credit to my account for the amount of : {$40000.00}. Thanking you in advance for correcting this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Self Financial Inc.
State: NC

Complaint narrative:
Self Credit Card company, on or around late XXXX, offered on it's main page, a {$0.00} annual fee for new sign ups for it's Secured Card. 

I received my card today, XX/XX/XXXX. After activating and signing up for the app, I noticed the annual fee of {$25.00} that was to be waived for the first year was applied to my account. 

I immediately called the Self Credit Card customer service line and was told that the promo ended in XXXX of XXXX. 

As of today, XX/XX/XXXX, the main website for the secured card page still shows that they will wave the {$25.00} fee for new sign ups. I let the customer service agent know their website still was soliciting new card holders with this promotion and she apologized again and stated again it had ended months ago. 

There is also no part of the website page for this offer that shows that it's a limited time offer or that it expires on a particular day or month. They refused to remove the fee or address why they're still promoting an " expired promotion ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-13 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: MA

Complaint narrative:
XX/XX/XXXX XXXX Funds sent from XXXX XXXX PayPal account to my account in the amount of {$1000.00} Chase debited funds from XXXX account XX/XX/XXXX XXXX PayPal states that the funds went through as an echeck because the other options were " unavailable '' at the time. They state it will take 4-7 business days to receive funds. 

XXXX XXXX  confirms they cleared the funds for financial and security purposes with XXXX. 

Email sent from PayPal stating funds will be available XX/XX/XXXX. 

XXXX XXXX Phone call with PayPal states funds are not available and will be by Friday. I explain bank confirmed clearance with XXXX and they stated they have not. 


XXXX XXXX Phone call with PayPal as customer service rep tells me I will have my funds bu midnight he can see that XXXX has processed payment to go into my account. 


XXXX XXXX- Message to PayPal asking where my funds are and they claim I will not have them until XX/XX/XXXX. 


XXXX calls PayPal and they tell him I will have the funds available by XX/XX/XXXX ( tomorrow ) I call PayPal and they tell me I won't have the funds until XX/XX/XXXX as XXXX has not cleared funds. I told them I know for a fact they have as it was confirmed on a recorded call yesterday and by the financial institution. They put me on hold and have been sitting here ever since waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health |

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/year> XXXX, debt collector for Hyundai Motor Finance, sent a pay-for-deletion offer for the account # XXXX. The payment was made and I was sent a payment confirmation. The company agreed to record the account as settled in full upon receiving payment and all collection activity will cease. Since then, the account has not been removed from my credit report and is being reported as currently late/charge-off as of the updated report on XX/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 explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX  and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 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 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 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 XXXXXX/XX/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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
ANY CHARGE OFF ON MY CREDIT WRITTEN OFF ON MY METRO 2 REPORT SHOULD NOT BE ON MY REPORT IF I DIDNT GET ANY PAPERWORK FROM THE IRS . ALSO ANY COMPANY THATS NOT ALLOWED TO COLLECT IN MISSOURI SHOULD BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY. PLEASE PROVIDE PAPERWORK THAT I OWE YOU ALONG WITH A 1099 FORM OF INCOME FROM FCRA SECTION 605C AND HJR-192 AND 15 U.S. COD 1601 IF MY REQUEST CAN NOT BE MET PLEASE DELETE. 
ACCOUNT IN QUESTION : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$1100.00} THANK YOU XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the fraudulent account listed on my Experian credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2. This section grants consumers the right to block the reporting of information that results from identity theft. The account in question is with XXXX XXXX XXXX, with a reported amount of {$1400.00}, and a date reported of XXXX This account was opened or reported as a result of identity theft and is not associated with any transaction or agreement I have made. I am requesting that this item be blocked from my credit report immediately pursuant to FCRA 605B. My FTC Identity Theft Affidavit has been filed and is attached under

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 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a full identity theft packet to TransUnion regarding a fraudulent XXXX collections account. My documentation included : FTC Identity Theft Report Police Report XXXX 's own confirmation that the account was fraud A written statement that I did not open the account A copy of my drivers license for identity verification Per the Fair Credit Reporting Act ( FCRA 605B ), TransUnion is legally obligated to block fraudulent information from my file within 4 business days of receiving proper documentation. That deadline expires on XX/XX/year>. 

On XX/XX/XXXX, I spoke with a representative in TransUnions highest tier of chat support who tried to claim that document verification is handled by a separate fraud team and could still take up to 30 days. I informed him that a prior TransUnion agent had already confirmed my documents were verified at the time of submission, which was XX/XX/XXXX. On XX/XX/XXXX, which by law starts the XXXX clock. I was then redirected and told to call a separate line rather than being given a straight answer or confirmation of fraud processing. XXXX themselves have also submitted with Transunion referencing this fraud account. 

This stall tactic violates FCRA 605B. TransUnion is failing to block or remove the fraudulent account within the required timeframe. This is now my second complaint regarding the same account and issue. 

XXXX  and XXXX  have already deleted this account from my report per Federal Law and the lender XXXX themselves have confirmed the account was fraudulent. Transunion is risking having my credit score being negatively impacted again by this fraudulent account instead of deleting same. Putting more harm on an identity theft victim.

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America reordered my transactions to cause overdrafts by processing larger transactions first, even if they were made later, which caused smaller ones to overdraw the account. They supervisor stated that they dont process the transactions in real time or chronological order which allows they the ability to steal money from customers. 
My account was over drown by {$15.00} even tho I had sent over more than enough money to my account to cover every transaction that was posted. To add, I am not covered by overdrqft coverage in my account meaning that if I did not have enough funds to cover the transaction, then Bank of America would have not allowed it to be processed due to insufficient funds. I had enough money or had deposits pending. 
Bank representatives are saying they dont see an overdraft when I call in and one supervisor told me that if I hadnt sent extra money to my account this morning it would have been overdrawn which is not true. I sent extra money this morning because Bank of America stop {$15.00} from me making my account negative and in order to use the card this morning I had to replace what they stole from me. Unbelievable! There is nothing that they are willing to do to fix this issue. I have the screenshots and proof to show the total of ever transaction sent to my Bank of America account by me and then spent by me to prove that they stole/ overdrew {$15.00} from me for no valid reason.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-06-13 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health |

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health |

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 2025-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without 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 explanation
Consumer complaint received 2025-06-13 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$36000.00}

Company response to consumer: Closed with non-monetary relief