vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I was sent {$500.00} to my cashapp account for rent for my kids for the month it is now XX/XX/XXXX and my funds are unaccessible still I tried everything possible emailed the manger gave me the run around I tried adding different bank outlets to cash out my funds not working cashapp just refuse to let me withdraw my money on new account I just created on XX/XX/XXXX which they closed for what reason I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I attempted to withdraw a cash advance at an ATM with my Capital One credit card on XX/XX/year> for {$160.00} but the ATM did not dispense cash and only displayed on its screen the message " Transaction can not be processed '' ( photo attached ). My Capital One online statement even shows that the {$160.00} was returned immediately by the ATM to Capital One ( screenshot of online statement attached ). However, Capital One charged me a {$10.00} cash advance fee on the same day ( XX/XX/year> ) and refused to remove it even after I called them on XX/XX/year> and told them what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-29 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I signed up for and was approved for a Home Depot Credit Card in XXXX. I made one purchase on that card on XX/XX/XXXX. Since that purchase I have attempted to make MULTIPLE payments on this card to pay back the balance. I also enrolled in AUTOPAY which should automatically deduct a monthly payment from my bank account. Since the very first attempted payment I have had issues. I get notice on the day of my scheduled autopay that a payment will be deducted from my bank account within XXXX hours however I never see the payment on my bank account. I called home depot in XXXX to discuss this matter and bring my concern to them as every time their system attempted a payment but didnt collect the funds, I was hit with a late fee and a returned payment charge on my account. I was assured that these would be removed and they said to wait for the next payment to see if it goes through. I called my bank directly and they let me know that XXXX XXXX was NOT trying to process my payment like they had said and even attempted to process this fee over 5 days after it was scheduled for. My bank also showed that there were no issues on my end, and there were enough funds to cover these payments so they werent sure why the XXXX wasnt COLLECTING the funds after placing a hold for the payment. My bank also told me that they are having multiple issues like this with the same company and have documented my bank account to account for that. They also suggested I reach out and file a complaint as home depot has not been able to help me resolve the issues of them not COLLECTING the payment like they said they would. I have received case number XXXX from XXXX XXXX and still have not had a resolution.

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 2025-08-29 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
This letter serves as a formal follow-up to your response filed with the Consumer Financial Protection Bureau XXXX CFPB ) dated XX/XX/year>, regarding my complaint. Your response failed to provide the legally required proof and verification of the alleged account you are reporting. Instead, you merely stated the account would be marked as 'disputed, ' which is insufficient under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ), when a consumer disputes the accuracy of information, you are required to conduct a reasonable reinvestigation and provide the method of verification. You have not provided this method of verification.

Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing, you must cease all collection activities and provide validation of the debt, including the original creditor, itemized accounting, and supporting documentation. You have failed to provide such validation.

Additionally, under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information that they know, or should know, is inaccurate. Continuing to report this account without proper verification is a clear violation.

Therefore, I demand that Carter-Young, Inc. and any related parties immediately DELETE this account from ALL consumer reporting agencies ( XXXX XXXX XXXX XXXX ) within ( 14 ) days of receipt of this letter. Failure to comply will result in escalation, including but not limited to : - Filing an additional CFPB complaint citing continued noncompliance. 
- Filing complaints with the Georgia Attorney Generals Office and the XXXX XXXX XXXX 
- Pursuing civil litigation for damages under FCRA and FDCPA, including statutory damages, actual damages, attorneys fees, and court costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I disputed a charge due to my flight being cancelled. I had in writing that I submitted to Citi that I would be refunded the full amount due to my flight being canceled. I was only refunded {$19.00} per ticket ( XXXX tickets ). The tickets were {$980.00} each. I asked the XXXX agent repeatedly that I would be refunded the full amount and he said yes. The reason I was adamant about this was because we were going to have to rent a car to get home. After only being refunded {$19.00} per ticket, I submitted a dispute with evidence to Citi. This should have been an easy dispute in favor of me due to the written communication I had with XXXX. They sided with XXXX and closed the dispute. I have no idea how this is even possible.

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 2025-08-29 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked a hotel and have paid XXXX through XXXX using chase credit card. Details showed below. 
XXXX. Confirmation number and PIN code : XXXX ; XXXX XXXX. Email address ( used to make the reservation ) : XXXX XXXX. Accommodation name and location : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check-in date and check-out date : XXXX When I checked in they charged me {$100.00} for security deposit which I also paid with same chase credit card. They didnt tell me anything about additional fee. 
After I checked out, hotel charges me {$85.00} from the {$100.00} deposit and also didnt tell me or give me receipt. 
I disputed on chase and uploaded photo of the charge. But chase did not check evidence and deny my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Heres a cleaner, more professional version of your statement while keeping the tone clear, respectful, and firm : -- - I set up a Chime bank account for my mother using my email address so I could help her navigate the computer when it was beyond her comfort level. My mother passed away on the XXXX, and we notified Social Security of her passing. As a result of that call, her Chime account was closed. 

I was unaware the account had been closed and tried to log in to retrieve information needed to cancel her household bills. Not only was I locked out, but Chime also sent an email to my account stating I was not eligible for a refund. My mother had less than \ {$500.00} in her account, and I dont know how to access those funds. She had a roommate, and I would like to use the funds to pay her last months rent. 

This is not an isolated incidentsomething similar happened with my cousin, whose Chime account was closed after transfers, with the funds withheld and no instructions provided. Refund refused. I believe this is predatory towards the poor.

In addition, I am deeply concerned that the Social Security Administration accepted verbal notice of death without requiring a death certificate as proof. Allowing financial institutions to act on unverified information and close accounts without due process is alarming and should not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In its official response to my CFPB complaint dated XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) admitted that my loan was first reported delinquent on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA 605 ( c ) ), negative information must be removed seven years from the Date of First Delinquency ( DOFD ), which means this account should have been removed no later than XX/XX/XXXX. 

However, XXXX claimed the XXXX reset to XX/XX/XXXX after deferment ended. This is not allowed under FCRA. A deferment or forbearance does not restart the XXXX reporting period. 

My Experian reinvestigation results ( XX/XX/XXXX ) show the account still being reported as XXXX days past due into XXXX, with a projected removal date of XX/XX/XXXX. This constitutes illegal re-aging, extending the negative impact of this account by nearly three years beyond the legal limit. 

I made rehabilitation payments between XX/XX/XXXX and XX/XX/XXXX, but XXXX did not complete the rehabilitation program and still reports the account as severely delinquent. The payment history is incomplete and misleading, showing only continued default status. 

This inaccurate reporting is harming my credit and preventing me from obtaining fair access to credit. Both XXXX and Experian are in violation of FCRA 605 ( a ), 605 ( c ), and 611 ( a ).

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 2025-08-29 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: TN

Complaint narrative:
In its official response to my CFPB complaint dated XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) admitted that my loan was first reported delinquent on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA 605 ( c ) ), negative information must be removed seven years from the Date of First Delinquency ( DOFD ), which means this account should have been removed no later than XX/XX/XXXX. 

However, XXXX claimed the XXXX reset to XX/XX/XXXX after deferment ended. This is not allowed under FCRA. A deferment or forbearance does not restart the XXXX reporting period. 

My Experian reinvestigation results ( XX/XX/XXXX ) show the account still being reported as 180 days past due into XXXX, with a projected removal date of XX/XX/XXXX. This constitutes illegal re-aging, extending the negative impact of this account by nearly three years beyond the legal limit. 

I made rehabilitation payments between XX/XX/XXXX and XX/XX/XXXX, but XXXX did not complete the rehabilitation program and still reports the account as severely delinquent. The payment history is incomplete and misleading, showing only continued default status. 

This inaccurate reporting is harming my credit and preventing me from obtaining fair access to credit. Both XXXX and XXXX are in violation of FCRA 605 ( a ), 605 ( c ), and 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Account No. : XXXX Account No. : XXXX To Whom It May Concern, I am writing to formally notify you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand you cease all communication with me regarding the above-referenced alleged debt. 
I am exercising my legal right to request that you stop contacting me by phone, mail, email, or any other means. Be advised that any further attempts to contact me directly about this matter will be documented and may be considered harassment in violation of federal law. 
If you believe this debt is valid and you intend to pursue legal action, please note that your only option is to proceed through the courts. Otherwise, you must immediately discontinue all collection activities and remove my contact information from your records. 
This letter is not an acknowledgment of the validity of the alleged debt, nor is it a promise to pay. I reserve all rights under the law. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NJ

Complaint narrative:
My identity was stolen and account have been hacked I've been locked out of my account

Company response to consumer: Closed with explanation