vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Transworld Systems Inc. ( TSI ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX : Cease & Desist Demand for Immediate Removal of Collection Account Account No. : 46176639 Amount Listed : {$280.00} To Whom It May Concern, This letter is your final notice to immediately remove the above-referenced account from all consumer credit reports with XXXX XXXX XXXX XXXX

The continued reporting of this alleged debt is a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Let me be crystal clear : A bill, statement, or invoice is NOT proper legal validation under 15 U.S.C. 1692g ( b ). The law requires you to produce : A copy of the original signed contract or agreement with my signature. 
A complete accounting and payment history from the original creditor. 
Documentation proving you have the legal right to collect and report this debt. 
If you can not provide this evidence, the law requires you to delete the account entirely not mark it paid, settled, or closed. 
CEASE & DESIST NOTICE : Effective immediately, you are instructed to cease and desist all contact with me, by phone, email, or mail, except to provide written confirmation that this account has been deleted from all credit reports. Any other contact will be considered harassment and a willful violation of the FDCPA, subjecting you to legal action. 

If you fail to comply, I will take the following steps without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Initiate civil action seeking statutory damages of {$1000.00} per FDCPA violation, plus actual damages, court costs, and attorneys fees. 
Pursue claims under the FCRA for willful noncompliance, with damages up to {$1000.00} per violation, plus punitive damages. 
You have 30 days from receipt of this letter to comply with my demand for complete deletion. If you can not validate, you must delete no exceptions, no negotiations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MI

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I verified my identity and a month later I started getting unauthorized uses on my card they gave my money back but now my account is negative and I dont want to dispute the rest of the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX I became the victim of a highly organized fraud scheme involving spoofed text messages, phone calls, and an individual impersonating a Chime representative. 

The incident began when I received a text notification allegedly from Chime asking if I had made a specific purchase. I responded No. Shortly after, I received another text stating that a representative would call me. Moments later, I received a phone call from someone claiming to be a Chime agent. This individual convincingly posed as a legitimate representative and, through a series of misrepresentations, instructed me to transfer my funds to what I was led to believe was a secure Chime account. 

During the call, the line disconnected. I immediately called Chimes official customer service number and was informed that I had been scammed. I requested that a fraud dispute be opened immediately. I was told that I would receive an email from Chimes fraud department with instructions to upload my evidence. 

On XX/XX/year>, I called Chime again to follow up, only to discover that no dispute had been filed the day before. I was forced to explain the entire incident again. I was then told that, due to the method of fraudmultiple individual transfersChime would need to open separate expedited claims for each transaction. I agreed to this process in good faith. 

On XX/XX/year>, I received an email from Chime stating that their investigation was complete and that no error had occurred. This conclusion is false, dismissive of the facts, and effectively compounds the harm I have already suffered. I have since filed a formal police report documenting the fraud. 

Chimes failure to promptly and properly initiate my dispute, coupled with the premature and inaccurate closure of my case, represents a serious breach of their obligations under applicable banking regulations. I am now preparing to escalate this matter to legal counsel and relevant regulatory authorities. 

This matter is far from resolved, and I expect Chime to take immediate corrective action to remedy their mishandling of my claim and the return of my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, my TD Bank account displayed an available balance of {$100.00}. I relied on this amount being available. Without warning, TD Bank removed the {$100.00} from my available balance and placed a XXXX hold on my deposited check, even though the bank had already collected the funds. 

This account is classified as new by TD Bank, but I am not a new customer I have banked with TD Bank before. When I asked for an explanation, the branch representative simply told me sometimes it goes and sometimes it doesnt. This is vague, unprofessional, and fails to justify the removal of already-cleared funds from my available balance. 

What I want done : 1. Immediate release of the held funds.

2. A clear written explanation of TD Banks funds availability policy and why it was applied to my account in this instance.

3. Assurance that TD Bank will stop the practice of showing funds as available and then later removing them without notice. 

This incident has caused unnecessary financial hardship and damaged my trust in TD Bank. I request prompt resolution and a written response. 

Resolution requested : Funds released, written explanation, and assurance this will not recur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

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 Services , 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX XXXX XXXX UNI Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/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 2025-08-09 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ DOE XXXX ] Account Number : [ 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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Feedback on Discover Banks Response to My Fraud Complaint Dear Consumer Financial Protection Bureau, I appreciate the opportunity to submit feedback regarding Discover Banks response to my complaint ( Case XXXX. : XXXX, XXXX, XXXX, XXXX ). 

I want to emphasize that I previously reported the fraud to Discover Bank at the earliest opportunity, but no resolution or meaningful assistance was provided at that time. Discover failed to detect or flag the suspicious wire transfers, despite my alerts. 

While I acknowledge that some of the wire transfers were authorized by me, I was misled by a sophisticated scam and believed I was making legitimate investments. Despite following all security procedures required by Discover, I was a victim of fraud, and Discover Bank failed to provide adequate warnings, protections, or timely assistance. 

These wire transfers included funds from my Social Security benefits. Because of the financial loss and lack of resolution, I experienced severe hardship and eventually ended up living in a shelter in XXXX called XXXX XXXX 

Even when wire transfers are authorized, banks can fail in their duties in situations like this. For international wires, banks typically operate under UCC Article 4A and their own recall procedures, not Regulation E but the CFPB can still review whether Discover acted unfairly, failed to follow its own commitments, or violated UDAAP rules ( Unfair, Deceptive, or Abusive Acts or Practices ). 

While I acknowledge that some of the wire transfers were authorized by me, I want to highlight that other financial institutions, such as XXXX and XXXX XXXX, have policies to put holds or stops on wire transfers that appear suspicious or out of pattern, even if authorized, giving customers an opportunity to review or cancel potentially fraudulent transactions. These proactive fraud prevention measures provide critical protection. I urge the CFPB to encourage Discover Bank and other banks to adopt similar safeguards to better protect consumers from scams and financial harm. 

Discover Banks position that they are not responsible for these transfers is deeply distressing to me, as I relied on their security measures to protect my funds. Their failure to provide adequate fraud protection or timely relief has had a devastating impact on my life. 

I respectfully request that the CFPB continue to thoroughly review my case and advocate for stronger protections for consumers who fall victim to scams, especially when Social Security benefits are involved. I also urge the CFPB to encourage banks to improve their fraud detection and customer support related to wire transfers. 

Thank you for your attention and assistance. I look forward to any further help the CFPB can provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
STARTED BACK IN XXXX. I HAVE PHONE RECORDINGS AND EVERYTHING SAVED. AFTER BEING TOLD I WOULD GET ALL MY MONEY BACK FROM THESE UNAUTHORIZED TRANSACTIONS AND WOULD BE SENT OUT XX/XX/XXXX XXXX STILL WAITING. TOTALING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 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 2025-08-09 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: CA

Complaint narrative:
I purchased a XXXX XXXX from XXXX on XX/XX/XXXX for {$100.00}, missing the XXXX XXXX promotional price of {$59.00} due to a payment issue. On XX/XX/XXXX, I contacted XXXX customer service and was told to place the order and then contact them after delivery for a refund of the price difference. 
After receiving the product, I contacted XXXX again, however, later XXXX customer service informed me that this was a mistaken promise and refused to refund me. 
I disputed the charge with my credit card company ( Bank of America ), providing all the XXXX chat records and refund promises as evidence. However, the bank rejected my dispute, stating they could not confirm I was entitled to a refund since the item was received and not returned. 
I have tried to resolve this issue both with XXXX and my credit card company, but the problem remains unresolved. I am submitting this complaint to request a fair investigation and resolution, as XXXX made a clear promise that was not honored, and the bank is dismissing my dispute despite the evidence.

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 2025-08-09 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt
collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MI

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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