vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A check worth {$11000.00} was sent from my primary bank as part of a debt consolidation loan through my primary bank. The check was sent via XXXX and tracked sent on XX/XX/year>, the check was received by Citi Bank at XXXX XX/XX/year> with a letter saying when the account was paid to close the account as well. The account was closed XX/XX/year> and the check worth XXXX that was sent from XXXX XXXX XXXX XXXX XXXX XXXX, PA, my primary bank, was cleared through my bank XX/XX/year>. Citi Bank has repeatedly said they have no records of this check, no records of the tax that was sent to them by my primary bank. They have investigated the missing {$11000.00} check twice, both resulting in the same answer of they have never recovered this check as to which I have documents proving otherwise. Now they are saying I owe them over {$1200.00} as a payment for late payments that should not exist at all.

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 2025-08-28 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:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ). Despite my disputes, Experian continues to : Report a fraudulent name ( XXXX XXXX XXXX ) that does not belong to me Maintain outdated and inaccurate addresses that no longer apply to me Ignore my lawful disputes and fail to correct or delete fraudulent information I have attached an Affidavit of Identity Theft & Fraud, along with supporting documentation, as part of this complaint. 

Requested Relief : 1. Immediate and permanent deletion of fraudulent names and addresses from my credit report 2. Written confirmation of deletions by Experian 3. Statutory damages and monetary compensation for willful FCRA violations I respectfully request that CFPB require Experian to take immediate corrective action.

Thank you for your prompt attention.

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 2025-08-27 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: AZ

Complaint narrative:
Three months ago, I discovered that a hacker had gotten into my XXXX  account, changed the email address associated with my account and tried to transfer over {$5000.00} to his/her account. I had to change my email address and delete the old one. When I reported this to XXXX, they asked me to email them my ID, as well as taking a photo of myself holding the ID. During these past three months, I have spoken to many XXXX agents and I've lost count of how many times I have emailed my ID and photo. On XX/XX/year>, with the help of a XXXX agent, I was able to transfer the funds to my account. I even got an email confirming the transfer was successful. However, a little while later, I got an email telling me that the " Specialty Group '' had to review the transaction and approve it. For whatever reason, they did not approve it. So the money got put back in the XXXX account. I had asked XXXX  to please block any communication with the old email address, but they didn't do this. They also informed me that they would no longer be able to offer me their services. ( Like I want to deal with them??? ) When I spoke to yet another XXXX agent last Friday, he informed me that on XX/XX/XXXX the money had been successfully transferred to an account which I didn't recognize because it wasn't mine. I put in a claim and they denied it saying that according to my past history, it was consistent with my actions. In other words, they feel it was me who transferred the money. IT WAS NOT ME and I could produce my bank statement to prove it. They closed my case. I'm an XXXX XXXX XXXX woman with a XXXX XXXX and this matter is taking it's toll, and I feel XXXX is allowing a hacker to take advantage of a senior. I need help and I hope you can assist in this matter. It will be greatly appreciated. If you need any more info, Please contact me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc
State: IN

Complaint narrative:
Hi, I am complaining about trying to send the unsolicited message. I was receiving from Chime I tried to file a claim because Chime has a lawsuit, pending on unsolicited text messages I was receiving when Child reached out to me on referrals. They wanted me to get from family members or friends. Can someone please investigate what is going on with the settlement time owed to customers who had their card services?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft.

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-08-28 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 2025-08-28 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:
I am a victim of identity theft. Multiple fraudulent accounts and inquiries are being reported in my credit file that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 605B, 15 U.S.C. 1681c-2, I submitted proper documentation ( FTC Identity Theft Report, government ID, utility bill ) to the credit reporting agencies and requested they block and delete the fraudulent accounts within four ( 4 ) business days, as required by law.

Despite this, the bureaus and furnishers have continued to report the fraudulent accounts. This constitutes a violation of the FCRA and my consumer 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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: RI

Complaint narrative:
I received an email from an attorney named XXXX XXXXXXXX XXXX. Asking for money for a payday loan I had taken out. He would not, at first, tell me what company it was from, the loan origination date, etc. I made a good faith payment to get the process moving but he still would not tell me the company name. He also has no contact number to talk to him. Finally, he sent me some information regarding the loan. I have made three payments but he is pushing to get money faster, threatening me with arrest, legal notices, etc. At this point, the amount is {$1200.00}, little more than a small claim but I was told that if he brings it to court, it will be upwards of $ XXXX. 

This evening I received another email : Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

Most people do not have {$1200.00} to spend on a moments notice and he will not accept less than {$100.00} payments. I have complied with three, so far. This harassment needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
The sudden closure has caused the following : Severe disruption of international business transactions. 
Financial and reputational damage with my business partners. 
Risk of contractual penalties and missed obligations.

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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Elite Portfolio Management, LLC
State: SC

Complaint narrative:
I took out the loan to pay off another payday loan and feel the interest rates are outrageous and no way to really get out of debt. It has gone against my credit so therefore I can't get another loan with lower interest rate to pay on debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: OH

Complaint narrative:
The run around and I can't even spe d the money I have on my account because they don't do anything and try and help me they say ok we will get back with me I've tryed everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-28 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: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I disputed the XXXX account with Experian over two months ago, but the account remains on my file with significant inaccuracies. Experian is reporting the balance owed as {$0.00}, while XXXX  reports {$130.00}. Experian is also reporting the date of last activity as XX/XX/XXXX, while XXXX  reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. The last payment date with Experian is listed as XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. The credit limit is reported as {$300.00} with Experian, while XXXX shows {$0.00}. These inconsistencies demonstrate that the account is not being accurately reported or verified, yet it continues to appear on my Experian report even after my prior dispute.

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 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Link Chain World Inc
State: IN

Complaint narrative:
CFPB Complaint Draft Unauthorized ACH Charge Company : Link.com Issue : Unauthorized ACH withdrawal and refusal to delete account or refund What happened : On Wednesday XX/XX/year>, I noticed an unauthorized ACH charge from Link.com on my bank account. I have never knowingly signed up for or authorized services with this company. I contacted Link.com through their support chat immediately and asked them to : 1. Delete my account and personal/banking information from their system, and 2. Return my money for the unauthorized charge.

Instead of honoring my request, their agent stalled, asked irrelevant questions about checkout flows, and did not agree to delete my data or issue a refund. This raises serious concerns about misuse of my personal and financial information. 

Why this is a problem : I did not authorize this charge. 
Link.com continues to hold my sensitive financial data against my wishes.

Their refusal/delay to delete my account and refund me violates Regulation E protections against unauthorized electronic fund transfers.

Resolution I am seeking : Immediate refund of the unauthorized ACH charge.

Deletion of all personal and financial information from Link.coms systems.

Written confirmation that no further charges will be made.

Supporting documentation available : Screenshots of my chat with Link.com support where I explicitly requested deletion and refund, and their refusal/delay. 
My bank statement showing the ACH charge.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Cease and Desist Letter XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Attn : Consumer Support Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX Subject : Cease and Desist Notice Dear Midland Credit Management , I am writing to formally demand that you immediately cease and desist from [ describe the specific conduct, e.g., harassment, defamation, unauthorized use of property, copyright infringement, etc. ]. This conduct is unlawful and has caused, and continues to cause, harm to me and/or my interests.

Be advised that if you do not stop these actions immediately, I am prepared to pursue all available legal remedies, including but not limited to seeking monetary damages and injunctive relief.

This letter serves as a final warning. I request that you provide written assurance within XXXX XXXX days, usually XXXX ] that you will cease and desist from these activities. 

Failure to comply will leave me with no choice but to escalate this matter through formal legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief