vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: KY

Complaint narrative:
We signed up for XXXX XXXX  and over the course of 3 months they filed 3 papers on my behalf, my credit score dropped by XXXX peoints while having them and I missed no payments, let nothing lapse, etc no reason for it to have dropped. I requested it to be cancelled and they are still continuing to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In XXXX XXXX  ], a negative balance of {$110.00} appeared on my PayPal account following a chargeback. I disputed this balance and requested documentation from PayPal proving that the chargeback and resulting debt were valid and legally mine. Despite multiple contacts through the Resolution Center and customer support, PayPal has not provided the requested documentation or proof. The company continues to show this balance on my account and may attempt collections without substantiating the debt.

This raises two serious concerns : 1. PayPal is attempting to enforce a negative balance without providing validation, which is a violation of basic consumer protection principles.

2. PayPal may attempt to send this unverified balance to collections or report it to credit bureaus, potentially causing me financial harm without due process.

I have made good faith efforts to resolve this issue directly with PayPal, but they have failed to substantiate their claim. At minimum, I am entitled to receive clear documentation showing the origin of the chargeback, the underlying transaction, and evidence that I am legally responsible for the balance. 

On XX/XX/year> PayPal applied a chargeback resulting in {$110.00} balance. 

I disputed this chargeback and requested documentation proving it was valid. 

PayPal has failed to provide any written verification of the debt. 

The negative balance remains on my account despite my repeated contacts.

I am concerned PayPal may attempt collections or credit reporting without substantiation.

This practice violates consumer protection standards requiring debt validation.

Debt Validation ( FDCPA 15 U.S.C. 1692g ) 1. PayPal has not provided written validation of the {$110.00} balance despite my request.

2. Under FDCPA 809, a debt collector must cease collection until debt validation is provided.

3. By maintaining a balance without validation, PayPal risks unlawful collection activity.

4. If PayPal or a collector reports the negative balance without verifying accuracy, it constitutes a violation of FCRA 623 ( a ).

5. Reporting disputed information without marking it as disputed violates FCRA 623 ( a ) ( 3 ).

6. Failure to investigate disputes within 30 days violates FCRA 611 ( a ).

Unfair Practices ( CFPB & FTC Act, 12 U.S.C. 55315536 ) 7. Attempting to enforce a debt without documentation is an unfair practice under Dodd-Frank , 1031.

8. Retaining funds or posting negative balances without proof constitutes abusive conduct.

PayPals Internal Failures 9. PayPal has not provided transaction records upon request.

10. PayPals Resolution Center has failed to deliver documentation within a reasonable time frame.

11. Customer support has closed cases without addressing the underlying issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I no longer have a loan with Wells Fargo. I refinanced as soon as I was able to. Wells fargo would take out double payments causing me to over draw my account Tell me to have my bank reverse one of the payments, but then they would refund me causing my account to go 60 days delinquent. I had to file a dispute with my credit report to get this resolved. They said these were my errors. Anytime my account went 45 days late they charged me a XXXX appraisel fee. They charged excessive interest and late fees making it difficult to get caught up. But there was no appraisel done of my property. I never saw or talked to anyone. When I went through financial hardship, they refused any financial assistance.

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Im a person of identity theft someone used my name and social security to file a unemployment claim in XXXX  and got access to my money and funds took all my money off my card called in asked for multiple cards to b sent to address I dont live at I requested atm photos never received them from Bank of America and XXXX XXXX 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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I am filing this complaint regarding my Barclays XXXX XXXX XXXX XXXX. 

According to the offer I applied for through XXXX XXXX XXXX the promotion clearly stated : Earn XXXX bonus XXXX after spending {$2500.00} on purchases within the first 90 days. 

I met the spending requirement within the required timeframe. On my XX/XX/XXXX statement from Barclays, it shows that I qualified for XXXX miles in total, which includes the XXXX bonus miles. 

However, when the miles were posted to my XXXX XXXX account on XX/XX/XXXX, I only received XXXX miles. Specifically, under XXXX XXXX XXXX XXXX, I should have received XXXX miles, but only XXXX miles were credited. This means XXXX miles are missing. 

To support my claim, I have attached : A screenshot of the original sign-up bonus offer. 
My Barclays Bank credit card statement showing the bonus qualification. 
My XXXX XXXX mileage summary showing the discrepancy. 



I look forward to a prompt resolution of this issue. 

Sincerely, XXXX 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 2025-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I am filing a complaint regarding a duplicate payment issue with my Freedom Mortgage account. In XXXX, I was incorrectly charged approximately {$1700.00} twice in addition to my regular payment. Despite repeated assurances that a refund had been processed on XX/XX/XXXX, no reversal has occurred. Every time I speak to them I am told something different. All I want is my XXXX back.

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 2025-09-19 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: NY

Complaint narrative:
I hereby dispute the following inaccurate, incomplete, and unlawful accounts on my TransUnion consumer report : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX ( Note : XXXX XXXX does not appear on TransUnion but its inconsistent appearance across other CRAs constitutes a violation of Metro 2 uniformity requirements. )

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company 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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

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 2025-09-19 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the 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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I wrote a check out to a friend and they always cashed the check in the past. The checks come from that bank and I always have plenty of money in that bank. 
So on this date they charged my friend 6 dollars to cash the check. I have never had this happen before and on XX/XX/XXXX when I went to M & T to ask about it they told me that's always been their policy. I asked for literature and they didn't have any to support their claim when they cashed these checks and never charged my friend. They never told me when I opened the account as well. 
They are making up rules as they go along and should tell people or public about charging XXXX dollar fee if they don't have an account with them.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issue : Credit card promotion not honored What happened : I have a Chase Freedom Unlimited credit card. Chase advertised a promotion for {$100.00} cash back on a $ XXXX Chase XXXX XXXX made between XX/XX/year> and XX/XX/year>. I made a qualifying purchase of {$1300.00} on XX/XX/year>. A few days later, I added the offer to my card in the Chase app. Chase has refused to provide the promotional {$100.00} cash back, saying that I did not activate the offer until after the purchase. 

Why I am filing : The offer terms shown in the Chase app ( screenshots attached ) do not clearly state that activation was required before the purchase. The conditions only specify that the purchase must be made during the offer period and meet the spending threshold. I acted in good faith, used Chase XXXX within the valid dates, and fully met the spending requirement. Despite multiple escalations with Chase customer service, they continue to deny the reward. 

I have been a loyal Chase customer, regularly using this card and other Chase products. The refusal to honor the promotion over an unclear technicality undermines trust in Chases advertised offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

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 : IXXXX 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 XXXXXX/XX/XXXX, Balance : {$370.00} 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 US 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

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 2025-09-19 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: FL

Complaint narrative:
Re : Reinsertion of Deleted Account / FCRA & Metro 2 Compliance Violations To Whom It May Concern : This letter is a formal notice regarding the unlawful reinsertion of XXXXXXXX XXXX XXXX Account XXXX XXXX, now acquired by XXXX XXXX XXXX XXXX XXXX This account was previously deleted from all three credit bureaus because the statute of limitations had expired. Reinserting this account without proper certification and without providing me written notice within XXXX business days violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). TransUnion actions also fail Metro 2 compliance standards and constitute willful noncompliance under 15 U.S.C. 1681n. You are hereby required to : 1. Immediately and permanently delete this reinserted account. 2. Provide the furnishers certification of accuracy, as required by law. 3. Confirm compliance in writing within 15 days of receipt of this letter. Failure to comply will result in complaints filed with the FTC, and may subject Experian to civil liability under 15 U.S.C. 1681n & 1681o. Respectfully, XXXX 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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

Company 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