vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Home Depot Citibank Credit Card Services ( HDCS ) is billing me for a transaction that was never processed by The Home Depot corporation ( HD ). This nonexistent transaction and HDCSs erroneous reporting to all three credit bureaus has lowered my credit score from XXXX to XXXX, and has cost me countless hours and resources to combat. 

On XX/XX/XXXX, I contracted with the HD Design Center for a kitchen project totalling XXXX. I paid the deposit of {$7400.00} with my personal XXXX XXXX XXXX XXXX XXXX, leaving a balance of {$14000.00}. At that time, I took out a credit card with HDCS to pay for this balance in order to take advantage of the offer of 0 % interest for XXXX months. 

However, at the conclusion of the project on XX/XX/XXXX, the HD Design Center contracting company claimed that they had not received payment for the balance for the project. I therefore paid this balance using my personal credit card from XXXX XXXX XXXX XXXX ( XXXX ). 

Since then, I have been charged for the balance of this project by HDCS plus interest. They have repeatedly insisted that I owe them {$14000.00} plus accrued interest. 

I recently contacted the HD Headquarters Executive Escalation Services, who on XX/XX/XXXX informed me that they had applied my XXXX  credit card to pay for the balance of the project and never processed a transaction with HDCS. Therefore, I never carried a balance on the HDCS card and owe neither the original charge nor on the interest accrued. 
Executive Escalation attempted to have the erroneous HDCS charge reversed but was unable to do so. They recommended that I work with HDCS to do so. 

Attached are following documents to support my case : Invoice from the project detailing the total cost for the project, deposit paid, and remaining balance. 
Email from HD Design Center contracting company detailing the balance owed to them. 
Receipts from HD for the deposit and balance of the kitchen project from my XXXX credit card. 
Bill from HDCS for total of {$18000.00} Letter from HDCS to Maryland Office of the Attorney General stating I owe them {$14000.00}. 
Email string from HD Executive Escalations confirming that HD never processed a transaction with HDCS. 
HD Executive Escalation Services query from their own database showing null results on HDCS transactions.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a legitimate check for {$92000.00} from a lending company whose owner is my sponsor into my checking account. This was a personal loan from my official sponsor in the United States, as I am a XXXX XXXX. 

The bank sent text messages and emails to the check issuer ( my sponsor, owner of lending company ) requesting verification to release the check. He confirmed and approved the transaction through the bank 's official communication channels. 

Despite this verification by the bank itself, within hours both of my checking accounts were closed without prior warning or adequate explanation. 

I have been a customer for 4 years with 2 credit cards ( the second was opened the same day because and agent in the bank offered me to do it and I did it ) and have never had any issues, overdrafts, fraud, or suspicious activity. 

The next day ( XX/XX/year> ), my sponsor accompanied me to the XXXX XXXX, Florida branch. We spoke with branch staff who provided us with a fraud department contact number. We called together and provided all requested information and documentation. The fraud department validated our information and confirmed the legitimacy of the transaction, but stated they would not reverse the account closure decision. 

As a result of this closure, my information has been likely reported to XXXX XXXX XXXX or another system, which is now preventing me from opening checking accounts at other financial institutions. I am being treated as a fraud risk despite having done nothing wrong and despite the bank having verified the transaction themselves. 

This situation is causing severe financial hardship as I can not access basic banking services that are essential for daily life, paying bills, and receiving payments.

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 2025-11-05 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: Block, Inc.
State: AZ

Complaint narrative:
Company : Cash App ( Block, Inc. ) Issue : Mishandled dispute, misrepresentation, and poor customer service Complaint Narrative : On XX/XX/year>, I called Cash App customer service to file a dispute against an XXXX transaction because I never received my order. The representative identified himself as XXXX. He took down my statement but never asked why I was disputing the charge. The amount is for {$33.00} He then told me he submitted my complaint but recorded it incorrectly as a fraudulent transaction, rather than as non-receipt of goods. When I asked him why he didnt ask for clarification, he gave no response. I requested to speak to a supervisor and was placed on hold for over an hour and a half. XXXX then said no one was available and that someone would email me then hung up on me. 

This was unprofessional and violated my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), which require fair and accurate dispute investigations. It also constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ).

Requested resolution : A formal written apology Correction of my dispute to reflect the correct reason ( non-receipt of goods ) Financial compensation for the disrespect and poor handling Confirmation that Cash App staff will be retrained on consumer dispute procedures Consumer Name : XXXX XXXX XXXX XXXX of Incident : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
b'This complaint is submitted on behalf of XXXX XXXX XXXX  by his authorized representative, XXXX XXXX  of XXXX XXXX XXXX XXXX, against Nordstrom/TD Bank USA for willful and negligent noncompliance with the Fair Credit Reporting Act (FCRA), specifically Sections 611(a)(1)(A) and 623(a)(1)(A). Despite multiple formal disputes and clear notice under federal law, Nordstrom/TD Bank USA has continuously failed to provide verifiable documentation substantiating the accuracy of the reported account number XXXX XXXX XXXX XXXX. XXXX, XXXX, and XXXX  each reported that the furnisher verified the account as accurate, yet no evidentiary proof or supporting records have ever been provided to the consumer as required. This conduct demonstrates a complete disregard for the duty to ensure accurate reporting and to conduct a reasonable reinvestigation when a consumer files a dispute. Merely confirming the information without any documentary support from the creditors own records does not satisfy the standard of compliance mandated under the FCRA. The ongoing reporting of this unverified account constitutes willful and negligent violations under Sections 616 and 617, and Nordstrom/TD Bank USA should be held accountable for failing to maintain and provide proper substantiation. On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX demands that the CFPB compel Nordstrom/TD Bank USA to immediately produce verifiable documentary evidenceincluding the original signed credit application, complete account history, internal verification logs, and a detailed explanation of the verification processor, failing that, permanently delete this account from all consumer credit files maintained by XXXX, XXXX, and XXXX. Continued reporting of this unverifiable account constitutes reckless disregard of consumer protection laws and a clear violation of federal rights. XXXX XXXX, through his authorized representative XXXX XXXX respectfully requests full enforcement action and any applicable civil penalties to ensure compliance and restoration of accurate reporting.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am writing to dispute the following charged-off accounts, which I believe are inaccurately reported on my credit report. Please review the details provided below and remove any discrepancies in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : 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 2025-11-05 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:
I am filing a complaint against Equifax for failing to maintain accurate and verifiable information on my credit report. The following items are either inaccurate, outdated, reported in error, or can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ) : Charged-Off Accounts XXXX XXXX XXXX Acct . ending XXXXXXXX XXXX XXXX XXXX XXXX, reported XX/XX/XXXX, balance {$8300.00} XXXX XXXX XXXX ( XXXX ) Acct. ending XXXX *, reported XX/XX/XXXX, balance {$2300.00} XXXXXXXX XXXX  Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX, reported XX/XX/XXXX, balance {$1000.00} Time Payment ( TIME XXXX  ) Acct. ending XXXX *, reported XX/XX/XXXX, balance {$0.00} These accounts appear to contain inaccurate reporting dates, balances, and/or unverifiable charge-off information. I am requesting that Equifax conduct a full reinvestigation and remove or correct any unverifiable or erroneous data pursuant to FCRA 611. 

Late Payments XXXX ( XXXX ) Acct. ending XXXX * XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Acct. ending XXXXXXXX XXXX XXXX XXXX  I am disputing the reported late payments as inaccurate. Please provide documentation verifying these delinquencies, including payment history and account records. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We purchased a new camper with an origination date of XX/XX/year> for {$68000.00} with financing through Bank of America. Over the past year we made additional payments on the loan, and each statement lists an amount due of {$0.00} and the account is listed as paid ahead. Each additional payment pays the principal amount plus the expected interest as we paid ahead on the loan. I contacted the lender when we noticed an additional principal payment had an identical amount listed as, " finance charges ''. When I contacted Bank of America they indicated, while we were ahead on payments and paid the anticipated interest for the months, they will continue to charge interest each month, regardless of the paid ahead status of the loan, thereby charging interest twice. 

This appears to be an attempt to defraud the consumer by charging interest on a loan twice. Moreover, when I asked about the practice the representative for Bank of America explained, even though we paid the interest in advance they will charge interest again when the paid in advance month passes.

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 2025-11-05 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: NY

Complaint narrative:
Although the balance is cleared, the record continues to display late payment history.

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 2025-11-05 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: CA

Complaint narrative:
I am writing to dispute multiple items that are inaccurately reported on my credit report. I have reviewed my credit report from all three major bureaus, and the following accounts are being disputed. I respectfully request that these items be investigated for accuracy, and if any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$800.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$750.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$5700.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} INQUIRIES EXPERIAN XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$21000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$120.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$470.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$550.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$490.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$3800.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX  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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this formal complaint against Navy Federal Credit Union ( Navy FCU ) for reporting XXXX charge-off accounts that are false, unverified, and not associated with me. The accounts are : NAVY FCU XXXX * * Date Opened : XX/XX/year> Balance Owed : {$880.00} * *, and NAVY FCU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$880.00}. * * I have no knowledge, contract, or financial relationship with Navy Federal Credit Union related to these accounts. These entries appear to be fraudulent or inaccurately reported, and Navy FCU has not provided any validation, documentation, or proof of ownership linking me to these alleged debts. 

The continued reporting of these charge-off accounts violates the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) ( duty to ensure accuracy ) and 611 ( a ) ( requirement to verify disputed information ). Reporting false charge-off data without proper evidence causes harm to my credit standing and reputation. 

Despite previous disputes, Navy Federal Credit Union has failed to provide any proof or supporting documents validating the legitimacy of these accounts. These entries are misleading, unverified, and damaging to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: WI

Complaint narrative:
My car was repossessed. I am being charged a XXXX dollar towing fee XXXX weeks later. They said I have to pay it because they paid the towing company to take my car from me. I already paid the storage fees for their third party auction. They told me I didnt have to worry about any other fees. Now I am going back and forth with them about disputing that fee. I was never aware of this, it is not stated in the contract. None of the employees never told me after I pay them I have to pay them a towing fee. They towed my car to a place XXXX minutes away from my area. How could that amount to XXXX dollars. They failed to let me know this information at any point during this experience. Now even though my car is up to date. I owe XXXX by the end of the month because of that fee. They are trying to forcefully put me in a position to where they take my car again. They have multiple voice recordings of me asking the employee Will there be any other fees added on after I pay this amount. They said no, my account would be clear. I would just have to pay the normally car note. Please help with some advice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am a consumer who is actively working to improve my credit, and I am disputing the following items on my TransUnion credit report. I respectfully request that you investigate these items to ensure the information is accurate and complies with the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that it be removed from my report. 

INQUIRIES I am disputing the following inquiries on my credit report, as they were either unauthorized or inaccurate : XXXX XXXX, Date Open : XX/XX/year> XXXX XXXX, Date Open : 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 explanation
Consumer complaint received 2025-11-05 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: IN

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 : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to reflect the maximum possible accuracy. These errors are profoundly affecting me, causing significant distress and negative impacts that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be an immense relief and blessing.

Company response to consumer: Closed with non-monetary relief