vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Made a {$200.00} payment at XXXX XXXX  XXXX in XXXX, IL. Would not go through Electronic Transfer machine. Supervisor came over, took check, wrote something on a piece of paper, and told me I was Good To Go. All this rook about XXXX minutes. The line behind me was getting longer and restless. Unfortunately, I did not get a receipt. 

When I got my credit card statement, payment was over due and included a late charge. 
This payment was made way before the due date. This check never went through my bank. At the time this check was issued, I had over {$17000.00} in my checking account! 
I can only surmise that somewhere between XXXX 's XXXX and Synchrony Bank the check was unsuccessful at being washed, and discrded because I used a pen that would not allow it to be done. 

Unfortunately, I don't have a date or a copy of this check. 

A few months ago, I recently got a letter offering me to make three payments of {$46.00}, and my account would be brought up to date. I accepted and phoned them to tell the I accept.So far, I have made TWO payments of {$46.00} with the last payment due XX/XX/year>. 
I don't think they even talk to each other. I keep getting bills for the total amount! 

This is NOT a bank. This is a RIPOFF with crooks running the place!

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding an XXXX XXXX loan payment processed by Chase Bank on XX/XX/year>, and Chases subsequent refusal to credit my account following a dispute. At the time of this transaction, I had an active XXXX appeal and had repeatedly requested hardship evaluation and confirmation of my eligibility. XXXX failed to respond to any of my written inquiries. 

XXXX representatives verbally informed me that I must continue making payments to remain eligible for review. This was materially false and placed me under duress. I reasonably relied on these statements while experiencing severe financial hardship. 

I filed a dispute with Chase on XX/XX/year>. Chase denied the dispute without requesting additional documentation from me and without providing any of the materials they allegedly relied upon. 


Impact of Prior Disaster Loss XXXX Contact Originated From XXXX WildfiresI also want to clarify that my initial contact with the XXXX began because I suffered significant financial and emotional losses related to the XXXX XXXX wildfires. These events directly impacted my income, stability, and housing security. I reached out to the XXXX seeking emergency assistance during a period of documented disaster hardship.This context is critical, because it establishes:1. My XXXX loan was sought due to disaster impact, not routine borrowing.2. I was already in a vulnerable and destabilized financial position when XXXX representatives instructed me to continue making payments.3. The misinformation I received had a magnified and harmful effect, as I was trying to comply during ongoing hardship.4. The payments in dispute represent money that should have remained available for basic survival needs during a disaster recovery period.This circumstance further supports that the disputed transaction can not be considered voluntary or authorized in any meaningful legal sense. It also underscores the need for a full reconsideration, proper investigation, and consumer protection review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
When I originally filed the dispute, I mistakenly selected fraud because the merchants behavior was deceptive and resembled a scam. Later, I learned that the dispute should have been categorized as services/goods not received. 

Huntington denied the dispute solely because the original category was incorrecteven though : I provided email evidence of nonperformance The merchant abandoned the project The merchant disabled their email accounts No deliverables were completed or delivered No refund was issued I reported the situation immediately I repeatedly contacted Huntington, but their dispute/research team does not accept external calls, preventing me from explaining the category mistake. After months of follow-up, a manager stated that because the charge was disputed as fraud instead of services not received, the research team can not help. 

This means my dispute was denied based on a technicalitynot the facts. 

Why I am submitting this complaint This situation has caused financial harm to my business. Huntington Bank failed to : Properly evaluate evidence of services not received Allow correction of a simple category mistake Provide a fair investigation Communicate effectively Offer a path to resolution I am requesting the CFPBs assistance because I believe Huntington mishandled this dispute and did not follow reasonable, consumer-protective dispute practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
When I call Cash App it says my balance is {$410.00}, I am unable to access my account its connected with my phone number I give them my name and all my information and they say they can not gain access to my account. I spoke with a woman who told me she would research the issue and escalate it to a 2nd level support department. I called back a couple more times but they obviously had no intention of doing a thing about it, they continued to tell me they would call back and they continue to hang up on me and not help me. They had me create a NEW account to try to access the old one and still said they were unable to verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I had only one missed payment since XXXX  with a total balance of XXXX dollars to pay over XXXX credit limit. Experian brought my score down from XXXX to XXXX. 
This is not a reasonable act of good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I had only one missed payment since XXXX  with a total balance of XXXX dollars to pay over XXXX credit limit. Experian brought my score down from XXXX to XXXX. 
This is not a reasonable act of good faith.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$320.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$120.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$6900.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$380.00} Account name XXXX XXXX Account number XXXX Account type Cell Phone Date opened XX/XX/XXXX Balance {$520.00} Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Apartments Date opened XX/XX/XXXX Balance {$8400.00}

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I got a letter stating that there was a fraud hold placed on my account due to unusual activity. It said I have 30 days to respond to the letter before my funds would be returned to the depositor. The letter is dated XX/XX/year>. It's now XX/XX/year> and I responded to the letter. XXXX XXXX  already had sent my money back to the depositor even though their letter states that I had till XX/XX/year>. When I asked XXXX XXXX about it they would neither comment or respond. I also only have an ATM card. They wouldn't let me access my account online and I'm not able to provide the account # because of no account access. They wouldn't even tell me what my balance was

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 2025-12-04 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year>, I purchased a laptop ( XXXX XXXX XXXX ) from XXXX XXXX for {$1000.00}. I financed this purchase using " PayPal Pay in 4, '' which is an installment loan product. The item arrived defective ( it would not power on ), so I initiated a return following the merchant 's instructions. I shipped the item back via XXXX  with tracking number XXXX. 

According to official XXXX XXXX XXXX, the return package was successfully delivered to the merchant 's returns facility on XX/XX/year>, at XXXX AM. The proof of delivery includes a signature from a facility employee named " XXXX ''. 

Despite this proof, XXXX XXXX refused the refund. In their official response to the PayPal dispute ( Case ID : XXXX XXXX XXXX XXXX XXXX explicitly acknowledged that the carrier confirmed delivery but refused the refund based on their own internal failure to scan the item. 

They stated in the dispute logs : " Customer confirmed received the mdse and return due to the laptop was defective. XXXX  return tracking XXXX - XXXX ... At our facility when receiving trailers, we physically scan every package into our records. Although the carrier systematically states it has been delivered, our records indicate we did not physically receive it. We are unable to refund the order for the customer as the unit is not physically here. '' PayPal closed the case in the seller 's favor despite this admission. I have provided valid proof of return via a third-party carrier ( XXXX ) . As a consumer, I am responsible for handing the package to the carrier and ensuring it reaches the destination. I am not responsible for XXXX XXXX XXXX internal operational failures, theft, or inability to " physically scan '' a package that their own agent signed for and that they admit the carrier lists as delivered. 

PayPal is acting as a lender here and is enforcing a debt for an item that was proven returned. By ignoring the Proof of Delivery and the merchant 's own admission of delivery status, PayPal is violating consumer protection standards regarding billing errors and valid returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
SRVFINCO is reporting or attempting to collect a debt under account number XXXXXXXX XXXX XXXX without providing me with any debt validation. I have not received documentation proving this debt is mine or proving the accuracy of the amount reported. Because no validation has been provided, I can not confirm whether the information is correct.

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 2025-12-04 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please audit the materials ; the inquiries arrived without advance warning and could be unauthorized.

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 2025-12-04 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:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief