vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing the reporting of a late payment on my credit report for the following account : Creditor Name : [ Bestbuy ] Date of Alleged Late Payment : XX/XX/year> ] This late payment is either inaccurate or unverified, and I request its deletion. 

Required Documentation for Reporting a Late Payment Under the Fair Credit Reporting Act ( FCRA ) and California law, a creditor or data furnisher must have specific records before a derogatory payment history may be reported. This includes : 1. Account Records Showing Due Date & Amount Proof of the exact payment due date and amount owed at that time.

2. Billing Statements or Notices Sent to Me Evidence that a statement or invoice was sent to me before the due date, giving me an opportunity to pay.

3. Proof of Actual Delinquency A record showing my payment was received late, including : Date payment was posted, Method of payment ( check, ACH, card, etc. ), and Confirmation that it cleared after the due date.

4. Compliance with the 30-Day Reporting Standard Per industry guidelines and FCRA accuracy standards, a payment can not be reported late unless it was at least 30 days past the due date. Reporting anything earlier than 30 days late is factually inaccurate. 

Legal Standards Supporting Deletion FCRA 611 [ 15 U.S.C. 1681i ] Requires deletion of any disputed item that can not be verified with supporting documentation.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Mandates that all information reported be maximum possible accuracy.

California Civil Code 1785.25 ( a ) Prohibits furnishers from reporting information they know or should know is inaccurate.

If the creditor or bureau can not produce documented proof as listed above, then this late payment entry is unverifiable and must be deleted under federal and state law. 

Requested Action Delete the late payment entry from all my credit reports ( XXXX XXXX XXXX ). 
Provide written confirmation of deletion within 30 days, as required by FCRA. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection & Innovation ( DFPI ), and the State Attorney Generals Office. 

Thank you for your cooperation and timely resolution of this matter. 

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account was hacked and cash app allowed over XXXX to be stolen from me and they wont help find the real thief instead wants to basically accuse me of fraud and purposely sending money to an unknown person Ive had no history with. On the XXXX of XXXX cash app says several devices were logged into my account in the middle of the night and instead of blocking all suspicious activity they allowed my account to be high jacked and depleted of over XXXX. They refuse todo any cyber search to find IP addresses or locations to where funds were deposited since it wouldve had a digital trail. Instead they say I sent funds willingly to this unknown person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
his letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Complaint Title : XXXX Sold Damaged Product No Refund Issued PayPal Not Enforcing Resolution Summary : I purchased a XXXX XXXX through the XXXX website on XX/XX/year>, using PayPal. The total amount was {$190.00}, which included sales tax and a XXXX extended warranty. 
When the product arrived, it was clearly damaged. I immediately contacted XXXX and provided photos. The company acknowledged the damage in writing and offered a full refund or replacement. I accepted the refund offer. 
However, despite weeks of follow-up, the seller has not honored their agreement, and their communication has become evasive. I escalated the issue to PayPal, submitted all necessary documentation ( photos, emails, etc. ), but PayPal is now requiring that I take the item to a repair shop to verify the damagea burden I believe is excessive and unnecessary. 
This is a clear case of a damaged item on arrival, and the seller already admitted liability. I am seeking a full refund of {$190.00} and accountability from PayPal for failing to enforce its buyer protection policy. 
Business Names : XXXX ( Seller ) PayPal ( Payment Processor ) Resolution Requested : Full refund of {$190.00} Improved buyer protection enforcement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Complaint Against Bank of America Mishandling and Denial of Fraud/Scam Bank of America XXXX Account XXXX XXXX Claims # XXXX and # XXXX Dear Sir or Madam, I am filing a formal complaint against Bank of America regarding their mishandling and denial of my fraud/scam cases, which have caused me a financial loss of {$8100.00}. 
My original claim was filed under fraud claim # XXXX, but I was later informed by Bank of America that it had been misclassified. The bank then opened a new case under scam case # XXXX, where all relevant information and notations were recorded. Despite this, Bank of America denied my claim, leaving me financially responsible for {$8100.00} stolen by imposters posing as Bank of America employees. 
The scammers used spoofed Bank of America phone numbers and text messaging systems, convincing me that I was cooperating with the banks fraud department to catch criminals. They instructed me to approve a charge for {$8100.00}, claiming it was a setup to catch the bad guys. In reality, the imposters were the criminals themselves. 
Bank of America denied the scam claim on the grounds that no goods or services were promised, which completely disregards the fact that I was deceived into authorizing a fraudulent charge. 
I have extensive evidence, including screenshots, call logs, and voice recordings of the scammers admitting to the scheme. These criminals continue to call me using Bank of Americas phone numbers, attempting to scam me out of additional funds. I have also recorded these recent calls. I have reported this ongoing activity to Bank of America on multiple occasions, yet the bank has done nothing to investigate or take action against the scammers.

Bank of Americas mishandling of my case and refusal to protect me as a customer is unacceptable. I respectfully request your agencys immediate investigation and action to require Bank of America to restore my funds. 

I am attaching the letters I had faxed over to Bank of America, with evidence of screenshots and full details of how the scam happened.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/year>, I received a letter from Midland Credit Management stating that they intend to sue me of a debt for {$3600.00} that does not belong to me .And they threaten to garnish my wages or put a lien against my property I believe this action is improper and potentially in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Midland Credit Management complies with all applicable laws and regulations. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. And Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. This is wrong and I would love for this to be taken and removed from my name legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint against Discover Card Services regarding three late payments that were reported on my credit file while I was on XXXX XXXX military orders in the field. 

Background I was XXXX to training and had no access to manage my account during this period. 
I believed I had automatic payments in place, but they failed to process. 
As a result, Discover reported three late payments. 
These were my first-ever late payments in my credit history. 

Issue Upon contacting Discover after returning, I explained the situation. Their representative stated that there was nothing they could do and that they were required to report the late payments. However, under the Servicemembers Civil Relief Act ( SCRA ), creditors are expected to provide protections and accommodations to service members affected by military duty. 

Why This Is a Problem These late payments are not reflective of my creditworthiness or payment history. 
Discovers refusal to consider a goodwill adjustment places me at an unfair disadvantage for circumstances directly tied to my military service. Discover stated a written letter from my chain of command would not be beneficial. 
The late marks have significantly harmed my credit, despite my otherwise responsible payment history. 

Requested Resolution I request that the CFPB investigate Discovers handling of this matter and require that the late payment marks be removed from my credit reports in recognition of my XXXX XXXX status and SCRA protections. 

Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX allowed fraud to exist on my credit card and bank account, which allowed me not to care to pay them back. They did not protect their customer. The bottom line is if they protected me, this would not be happening. Fraud happened once they obtained my information. I pay my bills online. I don't know how they got my information to allow this to to happen.

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 2025-08-23 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: IL

Complaint narrative:
The vehicle is being displayed as payed off through insurance with a balance left over of XXXX on my credit reporting vehicle does not belong to me.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TN

Complaint narrative:
I received an Email from unifin stating that I owe over {$700.00} dollars but the name on they are looking for the middle initial is not the same as mine I told them 2 weeks ago I'm not who they are looking for but to today I received another email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing a complaint against TD Bank regarding a recent debit card transaction that was mishandled in a way that caused significant financial inconvenience. 

On [ XX/XX/year> ], I made a purchase with my TD Bank debit card. The transaction did not appear on my account in any form not as pending and not as a posted transaction for approximately one week. Then, without warning, the charge suddenly posted on XX/XX/year> and immediately pushed my account into the negative. 

What makes this situation especially troubling is that I am enrolled in TD Banks overdraft protection program, which is specifically intended to prevent this type of outcome. Despite this, TD Bank still allowed the transaction to overdraft my account. This raises serious concerns about whether TD Banks overdraft protection is being properly administered and whether customers are being misled about the coverage they are supposed to receive. 

Because the transaction did not appear in my account for over a week, I had no ability to anticipate or manage the impact. This kind of delayed posting combined with TD Banks failure to apply overdraft protection constitutes an unfair and negligent banking practice that harms consumers. 

I am requesting that the CFPB investigate the following : 1. Why TD Bank allowed a transaction to post more than a week late without ever appearing as pending. 
2. Why TD Banks overdraft protection failed to prevent my account from going negative.

3. Whether TD Bank is adequately disclosing the limitations of its overdraft protection to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Experian / Equifax / XXXX XXXX XXXX Formal Dispute of Inaccurate Credit Reporting Portfolio XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to dispute inaccurate information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The account in question is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX 
On XX/XX/year>, this case was dismissed by the XXXX XXXX XXXX XXXX. Enclosed are copies of the official Notice to Appear and the Final Court Order of Dismissal signed by the Magistrate Judge. This dismissal establishes that XXXX XXXX XXXX has no enforceable claim and, therefore, any continued reporting of this account as valid or collectible is factually inaccurate and misleading.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of the information they report. Continuing to publish a dismissed claim as a valid derogatory tradeline violates this standard. Additionally, under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information.

Requested Action : 1. Delete immediately the XXXX XXXX XXXX XXXX XXXX account from my credit file across all reporting databases. 
2. Provide me with written confirmation of this deletion once complete.

Please note that if this inaccurate account is not removed, I will have no choice but to pursue remedies under the FCRA, which include statutory damages, actual damages, attorneys fees, and costs.

Enclosed are copies of the court documents supporting this dismissal for your review.

I expect this matter to be resolved within the 30 days allowed by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Enclosures : XXXX XXXX Court Notice to Appear ( Case XXXX XXXXXXXX ) XXXX XXXX Court Final Dismissal Order

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report, which I believe to be the result of fraud or identity theft. I did not authorize this inquiry, nor was I involved in any credit application with the company that initiated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Theyre were 70 transactions completed on my account that were unauthorized. I spoke with a representative who informed me that I should have my funds no later than XX/XX/XXXX. I called on XX/XX/XXXX, just to be told it will take up until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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