vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
After thoroughly reviewing my Customer Reports, I discovered instances of late payments on an account for which I have maintained timely payments. It is under my understanding that Consumer Reporting Agencies play a vital role on accurately reporting customer information. It is crucial for me as the consumer to view accurate information.

The initial instance is the different credit scores from each agency - XXXX vs XXXX vs XXXX. I have never missed a payment on the following accounts XXXX - Account # XXXX, XXXX - Account # XXXX, XXXX - Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX, and XXXX  -Account # XXXX. These inaccuracies have caused inability to refinance, buy a home, etc. I request thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to present such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of the FDCPA. I have no contract or agreement with this debt collector, and they have failed to provide any legally required validation. A valid agreement requires my signature, which they can not produce. Because they did not follow the proper validation procedures, they are furnishing unverifiable information to the credit bureaus. Reporting an account that can not be validated is a direct violation of my consumer rights. Since this debt collector is unable to provide a signed contract or complete validation, I am formally requesting the immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XXXX XXXX XXXX I made a {$5000.00} transfer from Frost bank to my XXXX account. On Sat XXXX I checked status & found a fraudulent second transfer of {$4800.00} had been made approx XXXX after mine. I immediately contacted Frost and requested stop payment. A Frost person started looking into the fraud, asked me several questions and told me to contact my Frost branch on Mon the XXXX SIDE NOTE..... what is extremely frustrating with this fraud is it happened to me the previous week. The same named individuals.and same bank. The first time Frost recovered my money but locked the acct until I had my PC scanned for virus. On XXXX XXXX I took it to XXXX XXXX XXXX XXXX and got it back on XXXX XXXX No malware Trojans or remote software was found. I provided documentation and Frost unlocked my acct, changed acct # and new password/username. I felt whatever the hack was my acct was clear to go.Apparently not true. 
CONTINUING...... On XXXX XXXX visited the branch office and asked if there was any news/updates. There was none. After lengthy question and answer period concerning who had access to my computer ( only myself and my wife ), the branch person said their info indicated both transfers were from my PC and therefore responsibility appeared to be mine and my computer.Unplug it immediately. 
I soon found out this was Frost corporate position when the very next day, in the mail, I received a Dear Customer Letter..... Fast service. Their quick investigation showed the desktop/PC used matched the device registered in Frost Online Banking . I was out {$4800.00}. I as the legitimate acct holder never sent the fraudulent transfer. No one from Frost ever contacted me for any follow up. I have subsequently closed this acct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX failed to properly investigate and resolve a disputed transaction and appeal within a reasonable timeframe. Despite submitting all requested documentation and filing an appeal after the initial denial, XXXX has provided no written determination, status update, or provisional credit months later. This appears to be a failure to comply with Regulation E dispute resolution requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XX/XX/year>, I disputed a single charge in the amount of {$450.00}. The dispute was processed one time. When the merchant did not comply, the {$450.00} was removed from my account. I accepted this outcome and took no further action. 
In XX/XX/year>, Navy Federal Credit Union issued a temporary credit of {$450.00}, which is clearly reflected on my account statements as a reversal. At no time after this reversal was I notified of an overpayment, duplicate credit, or outstanding balance related to this dispute. 
In XX/XX/year>, my accountan account that has never previously been overdrawnwas suddenly debited and reflected a negative balance of approximately {$900.00}. Upon contacting Navy Federal Credit Union, I was informed by a representative that the negative balance was the result of a system glitch related to the XX/XX/year> dispute. 
I immediately questioned how an overpayment could exist when : I disputed the charge only once, I never received duplicate or excess funds, and any alleged overpayment should have been identified and corrected at the time of the XX/XX/year> reversal. 
No explanation was provided for the delayed action, nor was I given prior notice before the funds were withdrawn. 
Since XXXX, all deposits made to my account have been automatically seized to offset this balance, causing ongoing financial harm. I am a single mother of XXXX young children, and this unexpected and unexplained account action has directly affected my ability to pay for essential living expenses. The stress and instability caused by this situation have been significant and ongoing.

I am being held financially responsible for an internal processing error that I did not cause, did not benefit from, and was not informed of in a timely manner. This action appears inconsistent with fair billing, error-resolution, and notification requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am submitting this complaint regarding the refusal to reverse interest charges related to a one-time late payment on my credit card account. 

Details I have maintained a consistent on-time payment history on this account for approximately 45 years. During this period, there were no late payments until a single recent occurrence. 

Following that payment, the issuer refunded the late fee but declined to reverse the interest charges that resulted from the same event. I contacted customer service and requested a goodwill adjustment based on my payment history. That request was denied. 

Issue The interest charges were directly caused by a one-time late payment on an otherwise well-maintained account. In my experience with other credit card issuers over several decades, both late fees and related interest are commonly reversed as a one-time courtesy for customers with strong payment histories.

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 2025-12-28 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: MA

Complaint narrative:
I am filing a formal complaint against EXPERIAN for failure to comply with their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

EXPERIAN is reporting late payments furnished by multiple creditors without providing verification that the creditors complied with 15 U.S.C. 1666b and 1637 ( b ), which require that billing statements be delivered at least 21 days prior to the due date.

EXPERIAN has to provide documentary proof that : Billing statements were sent, Contained all legally required disclosures, and Were delivered within the required timeframe.

Under 15 U.S.C. 1681s-2 ( b ), the bureaus are required to conduct a reasonable investigation and delete unverifiable or inaccurate information. Their failure to do so constitutes noncompliance with federal law.

I am requesting CFPB intervention to compel compliance and correction of my credit file.

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 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Specialty Northwest, Inc.
State: OR

Complaint narrative:
A collection account is being reported for an alleged rental balance from a former landlord in Oregon. The landlord failed to comply with ORS XXXX by not providing a required written security deposit accounting or proof of damages, despite requests. Because the security deposit was unlawfully withheld and not properly applied, the reported balance is inaccurate and not legally owed. 

The collection agency continues to report this debt without verifying a lawful accounting or permissible purpose under the Fair Credit Reporting Act. 

ORS XXXX failure to provide itemized security deposit accounting 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681b ( a ) ( 2 ) lack of permissible purpose 15 U.S.C. 1681i failure to properly reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called today because when I attempted to use my card it said an amount I didn't think I had created. It took forever to get to a live person and she explained I had a past due bill that was showing up despite my paying it off in full in XX/XX/2025. I am now concerned that all the billing is incorrect and they're double billing or doing something nefarious with my account. She claimed the billing was from the XXXX  of each month to the XXXX of the next. However, it doesn't correlate. They don't show all the credit card usage so when I think I'm paying it off, I'm not and that's not right or fair. 

Now, when I go into to print my statements, I can't which is why I've requested XXXX & XXXX & XXXX because I'm going to go through my entire year to see if they have been billing me accurately. 

NOT HAPPY ONE BIT! THEY ARE CHARGING ME INTEREST THAT I SHOULDN'T HAVE TO PAY WHEN I AM PAYING IN FULL ACCORDING TO WHAT THEY SEND ME!

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I hereby demand the prompt removal of all fraudulent information from my credit file. I am a victim of identity theft and did not provide authorization for the accounts or inquiries listed in the attached documentation. This matter has been reported to the Federal Trade Commission ( FTC ), and I have attached a copy of my official Identity Theft Report as required. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documentation. Any continued reporting of this false information constitutes a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This serves as your final warning remove the fraudulent information immediately or face legal consequences.

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 2025-12-28 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: 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 ONE 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 explanation
Consumer complaint received 2025-12-28 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: OK

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 ONE 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
I am currently going through a Paypal dispute process and have been for over a month now. I submitted a dispute on XX/XX/XXXX. I have given them evidence for my claim. I then get an email out of nowhere saying they are taking back the provisional refund they gave me, which took over a week to get in the first place. They didn't give me a reason for why they are doing that. I submitted additional information for the dispute. Now they are ignoring me and preventing this dispute from going anywhere. I feel like it is retaliatory. I am unable to close it as requested by the seller to send back my item for a refund. I also don't really believe that the seller is acting in good faith. I have been trying to contact customer service on this issue, and I am ignored or given some AI-generated generic answer that does not help me. I paid with my PayPal debit card, and they know I have no other recourse with a real, reputable bank. Please put an end to AI bs and hold these companies that handle funds accountable for not having real people as customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Deposited almost XXXX $ in an atm on XX/XX/XXXX. They say the investigated my claim and only said the atm was over only XXXX dollars how is it they can see XXXX $ over so basically its been almost a month and I still have not received my deposit I have been losing money cause of this error I would like to be compensated for the missed credit card and pay later accounts. This error caused me to mess up my on time payments now I have to build my XXXX $ credit line back from nothing basically I have been struggling since wells fargo refuse to credit my rightful deposit. That was the money I had been saving for my bills and to live off

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 2025-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The XXXX XXXX XXXX XXXX put me in collections for {$17.00} in behalf of the company XXXX XXXX. I bought a Car from this company this car was so mess up, engine failure everything was an XXXX. I gave up they gave me a reposition they sold the car for $ XXXX in an auction or somebody else. They told me Ive to pay only $ XXXX for the reposition. Time past by and The company XXXX XXXX XXXX put me in collections for a crazy amount of money. I never sign up a contract with them. And XXXX XXXX sold them a collection contract with wrong information. This destroys my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Hi I am with chime my name is XXXX XXXX. However, I am very upset with this whole thing and I was told if I would send documentations on three transactions that I disputed okay two got disputed one is still pending. However, with all due respect, the representative from the beginning told me oh that's okay. Even the the dispute is closed that I would still be able to have the first dispute that's still pending and opened per by me with additional of the money while the investigation is going on. Perhaps I am very upset that the fact I have not and gotten my money back from chime. Three different traded taxes from straight talk

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a billing dispute for {$1500.00} to Bank of America for my card ending in XXXX and they denied my dispute even though I provided the second opinion from the merchant that the service they provided wasnt what I asked for. I asked for an air duct cleaning service and as you can see from the 2nd merchant documentation, they gave me a completely different service which isnt an air duct cleaning. The merchant even said the chargeback was justified which shows the charge should be credited. Please review all the documentation as this merchant didnt provide the service I asked for.

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 2025-12-28 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation