vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I am writing to file a formal complaint against CareCredit regarding an issue with deferred interest charges applied to my account after I made a payment based on the company 's guidance. 

On XX/XX/XXXX, I discovered that CareCredit had charged my account {$1300.00} on XX/XX/XXXX. Upon investigating, I was informed by a CareCredit representative that the promotional purchase related to my cataract XXXX ( performed on XX/XX/XXXX ) had ended on XX/XX/XXXX, and the deferred interest rate of XXXX XXXX had been applied. At the time, my balance was {$1200.00}. 

I reached out to CareCredit via chat on XX/XX/XXXX, and the representative advised me that if I made the full payment by XX/XX/XXXX, the interest would be credited back. However, since I was unable to meet this deadline, I requested the possibility of paying in XXXX installments : {$630.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. 

The representative confirmed that this arrangement would still qualify me for the interest credit, and I was assured that the interest would be credited back if I followed through with the payments as agreed. 

On XX/XX/XXXX, I made the full payment of {$1200.00}, as originally advised, and subsequently requested to split the payment into XXXX installments. Following this, I canceled my initial payment of {$1200.00} and scheduled the XXXX separate payments of {$630.00} and {$630.00} as agreed. 

Unfortunately, on XX/XX/XXXX, I noticed an additional interest charge of {$65.00} applied to my account. 

Today, XX/XX/XXXX, when I inquired about having this interest credited back, I was informed that CareCredit would not honor the interest credit because I missed the XX/XX/XXXX deadline, which directly contradicts the agreement made by the representative on XX/XX/XXXX. 

Issue : CareCredit 's refusal to credit the interest back is a breach of the agreement made with me, and I feel that I have been misled. Had I been informed of the true terms from the beginning, I would not have canceled my original payment to split it into installments. I now request that CareCredit honor the terms that were clearly communicated to me, credit the interest back, and allow me to close this account in good standing.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint because Bank of America has directly engaged in criminal collusion with XXXX. They ruled my dispute in favor of XXXX, even though the money is not in my Bank of America account and never appeared on XXXX. That decision is unlawful, fraudulent, and shows deliberate cover-up of theft. Bank of America is not protecting consumers they are protecting a fraudulent exchange, closing cases without investigation, and running criminal schemes. 

This is not a mistake. This is fraud, collusion, and corruption. Bank of America is actively covering up missing funds and enabling illegal operations with XXXX. 

I swear I swear by XXXX, I swear by the flag of the United States of America, I swear by XXXX XXXX Bank of America will face criminal responsibility for this scheme. I will escalate this to every possible authority, and I will ensure it reaches the public through the media. They will not escape accountability. 

I have already submitted complaints to the Office of the Comptroller of the Currency ( OCC ) and the New York State Department of Financial Services ( NYDFS ), and I am escalating this further through the Consumer Financial Protection Bureau ( CFPB ).

I am also preparing submissions to the U.S. Securities and Exchange Commission ( SEC ), the U.S. Commodity Futures Trading Commission ( CFTC ), the Federal Trade Commission ( FTC ), the Financial Crimes Enforcement Network ( FinCEN ), as well as XXXX  and XXXX. 

And beyond that, this case will go to the Federal Bureau of Investigation ( FBI ), the U.S. Department of Justice ( DOJ ), the Office of the New York State Attorney General ( NYAG ), and the U.S. Attorneys Office for federal prosecution. 

This is no longer about {$1000.00}. This is about exposing Bank of America for corruption and criminal collusion with XXXX. I will pursue this at every level until they are forced to answer for 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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is reporting multiple accounts in a manner that is factually inaccurate, internally contradictory, unverifiable, and misleading to anyone reviewing my credit profile. The manner in which these accounts are being reported fails the legal requirement of maximum possible accuracy under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ) and is actively harming my creditworthiness. 
XXXX. XXXXXXXX XXXX XXXX  This account is reported as open and active with a balance of {$580.00}, yet the credit limit is only {$500.00}. It is simultaneously being reported as 60 days late and over-utilized at 117 %. This is fundamentally contradictory and confusing to creditors. Either the account is open and current, or it is delinquent and closed it can not logically be both. This contradictory status misrepresents my payment behavior and paints an inaccurate picture of financial irresponsibility. No documentation has been provided to prove that I was 60 days late, no signed application, no chain of title, and no billing statements have been made available to me. 
XXXX. XXXX XXXX This account was closed with a {$0.00} balance in XXXX, yet TransUnion continues to report derogatory late payments ( 30/60 day lates ). Once a balance is cleared and an account is closed, there is no lawful basis for continuing to report delinquencies. This is a mischaracterization of the true status of the account and therefore inaccurate and misleading. It also constitutes the reporting of obsolete information under FCRA 1681c ( a ). 
XXXX. XXXX XXXX This account is listed as closed with a {$0.00} balance while simultaneously being marked as 90 days late. A {$0.00} balance account can not be delinquent. Reporting it as such is reckless, negligent, and misleading to lenders. 
XXXX. XXXXXXXX XXXX This installment loan closed in XX/XX/XXXX with a {$0.00} balance, yet TransUnion is still reporting 30 and 60-day lates. It is illogical and unlawful to continue reporting derogatory marks after the account was closed and settled in full. 
XXXX. XXXX XXXX XXXX TransUnion lists this account as a charge-off in the amount of {$5600.00}. However, TransUnion has not provided, nor has the furnisher provided, any supporting documentation such as the original signed contract, a complete payment history, or an accounting breakdown explaining how the balance was calculated. This makes the reporting unverifiable under FCRA 1681i.

Across these accounts, TransUnion is reporting data that is false, unverifiable, contradictory, and misleading, causing me direct harm in the form of reduced credit scores, higher interest rates, and limited access to fair lending.

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 2025-08-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The card issuer waits approximately ten days before releasing incoming funds ( credits ) but removes funds immediately when a debit is made. There is no reason for the delay in making a customer 's funds available and they are unable to provide a valid explanation for this. The card issuer ( American Express Prepaid Card Management Corporation ) should process both incoming and outgoing transactions according to the same time frame and not delay releasing funds while debiting the pre-paid card immediately after a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate personal information that remains on my credit report. Despite my attempts to correct the issue directly with the credit reporting agency, the information has not been properly removed. 

The credit report currently lists outdated and/or incorrect personal information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This information does not accurately reflect my identity or current situation and should not appear on my credit file. 

I have previously submitted disputes to the credit bureau ( XXXX ) requesting removal of this information and provided documentation where applicable. However, the bureau ( XXXX ) has failed to correct the errors or provide sufficient justification for keeping this inaccurate information on my report. 

This incorrect personal information may cause confusion, create unnecessary risk of mistaken identity, and negatively affect my ability to maintain an accurate and reliable 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 2025-08-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bounce AI, Inc.
State: AZ

Complaint narrative:
Dispute Letter Request for 1099-C Documentation Re : Formal Dispute of Charged-Off Account Request for 1099-C Verification To Whom It May Concern, I am disputing the reporting of a charged-off account on my credit file. This account is being reported as an outstanding debt even though it has allegedly been written off by the original creditor as a loss. If the creditor received a tax benefit for this charge-off, then reporting it as an ongoing liability is false, misleading, and unlawful. 

Legal Basis for My Dispute 1. FCRA 602 & 607 ( b ) ( 15 U.S.C. 1681 & 1681e ( b ) ) : Credit reporting agencies are required to ensure maximum possible accuracy. Reporting an account as a collectible debt after it has been written off and claimed as a tax loss is inaccurate.

2. FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute information, and the bureau must reinvestigate. If the furnisher can not provide proper verification ( including 1099-C filings if applicable ), the account must be deleted. 
XXXX. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers from reporting information they know to be inaccurate or misleading. Continuing to report a written-off account as collectible is a violation.

4. IRS Regulations ( 26 U.S.C. 6050P ) : Creditors who cancel {$600.00} or more of debt are required to issue a Form 1099-C Cancellation of Debt to the debtor and the IRS. If this account was charged off, the creditor must have filed or been required to file a 1099-C, which means the debt was legally treated as canceled for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Unauthorized PayPal Transaction, Dispute Mismanagement, Excessive Fees, Account Limitations Dear CFPB, I am submitting this complaint due to a series of unauthorized transactions and mishandlings by PayPal , Inc., which have left me financially harmed and unable to use my account properly. Below are the relevant details : 1. Background & Unauthorized Transaction Transaction in question : An unauthorized PayPal charge of {$83.00} occurred on my account. I did not authorize, recognize, or benefit from it.

I immediately reported this transaction via PayPals Resolution Center and informed them that I did not recognize the transaction and wanted it canceled and removed.

PayPal Despite my clear communication, PayPal insisted I settle the claim and accept liability. I repeatedly asked, Accept liability for what? I dont recognize this transaction at all, but to no avail.

2. Supervisors Assurance & Subsequent Fees During another call, I specifically requested to speak with someone inside the U.S.. I was informed that PayPal support operates in XXXX, XXXX, and it was not possible to connect with a U.S.-based supervisor. 

Nonetheless, the representative assured me that they would take care of the claim on my behalf, and that PayPal would settle the claim and cover any fees. 

Despite this assurance, PayPal processed the claim and then charged me a {$15.00} dispute fee, which created a negative balance on my account for no valid reason. 
PayPal 3. Attempts to Resolve & Identity Verification I have persistently tried to resolve this through multiple channels : Online chat and email communications, Several phone calls totaling XXXX minutes and XXXX seconds ( broken down as : XXXX min XXXX sec + XXXX min XXXX sec + XXXX min XXXX sec + XXXX min XXXX sec + XXXX min XXXX sec ). 

Additionally, PayPal has placed a limitation on my account, requesting identity verification : I submitted my American passport multiple times, Submitted my Social Security card, XXXX XXXX XXXX XXXXXXXX statements. 

Despite this, PayPal refused to verify my account and left the limitation in place. 

4. Regulation E ( EFTA ) Protections The unauthorized PayPal transaction qualifies as an unauthorized electronic funds transfer ( EFT ) under Regulation E ( EFTA ). Under this regulation, PayPalas a non-bank P2P providermust comply with prompt error resolution and liability protections. 
Consumer Financial Protection Bureau PayPal failed to promptly investigate and instead demanded that I settle or accept liability for a transaction I did not authorize or recognize. 

5. Impact and Requested Resolution Impact : This series of missteps by PayPal has caused : A negative account balance unjustly, Wasted time and emotional stress due to repeated interactions, Inability to access or use my account due to unraised limitations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that this is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

At this time, I dispute this debt and request that you provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of all fees, interest, and charges.

3. Proof that I am legally obligated to pay this debt ( e.g., a signed contract or agreement ).

4. Verification that you are licensed to collect debts in my state, including your license number.

5. A copy of any judgment ( if applicable ).

Until you provide the above documentation, you must cease all collection activities, including reporting this alleged debt to credit bureaus, or you will be in violation of the FDCPA. 

Additionally, please be advised that I am requesting all future communication be in writing only. Telephone calls to my home, cell, or workplace are inconvenient and must cease immediately under 15 U.S.C. 1692c.

This is a formal notice that I am preserving all rights under federal and state law, including the right to pursue damages for violations of the FDCPA or other consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
To : [ Experian / Equifax XXXX TransUnion ] From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX This account reports as a charge-off with an open balance of {$130.00}, which is contradictory and violates : FCRA 607 ( b ) : Credit reporting agencies must assure maximum possible accuracy.

FCRA 611 ( a ) : You must reinvestigate disputed information. 
Metro 2 Reporting Guide : Once an account is charged off, status and balance fields must reflect closure.

Since this account violates federal law and Metro 2 standards, I demand its immediate deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : [ Experian / Equifax XXXX TransUnion ] From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX XXXX This account reports as a charge-off with an open balance of {$130.00}, which is contradictory and violates : FCRA 607 ( b ) : Credit reporting agencies must assure maximum possible accuracy.

FCRA 611 ( a ) : You must reinvestigate disputed information. 
Metro 2 Reporting Guide : Once an account is charged off, status and balance fields must reflect closure.

Since this account violates federal law and Metro 2 standards, I demand its immediate deletion

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