vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This was for my birthday XXXX. This hotel charged a {$560.00} smoking fee for my room lol. The room and floor smelled like weed when I came in. I dont smoke anything. I only drink. If I smoked they had smoking rooms to book. Theyre CLEARLY hurting in XXXX and will try anything. The connecting door to the room next to me has light coming thru it haha .. so clearly it couldve been from there. But even the hallways smelled like weed. 

I did some digging in reviews on XXXX and XXXX XXXX - Ive seen other people with similar issues at XXXX and XXXX ( both owned by XXXX XXXX ) Is it to help their numbers look good at the end of the day? No wonder XXXX is a XXXX ( or XXXX  ) city. 

I disputed with the hotel the second night I was there because I saw it had already been added to my account on the tv. They told me at the front desk there was nothing they can do about reversing it and to just dispute it with my credit card. I did that. For two plus months it was credited and magically now its back being charged on my card again. I ended up closing that card after being with them for a very long time because this was unacceptable. You expect me to pay almost {$600.00} for something I didnt do and never do?!? I reached out to XXXX XXXX corporate after and havent heard even a peep or received an acknowledgement they received my email. Please help get this corrected with either XXXX XXXX XXXX or 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 2025-12-04 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I am submitting this complaint to request the Consumer Financial Protection Bureaus assistance with a fraud case that has been open with Target Card Services since May and remains unresolved nearly seven months later. Despite my repeated efforts and full compliance with all documentation requests, Target has failed to provide any updates, communication, or resolution.

My wallet was stolen, and fraudulent charges were made on my Target account on XX/XX/XXXX. The current disputed amountincluding accumulated interestis {$2600.00}. 

I promptly submitted all required documentation to Target Card Services, including : XXXXXX/XX/XXXX Case XX/XX/XXXXXXXX Completed Target Fraud Questionnaire Throughout this period, I have contacted Target Card Services approximately twice per month. Each time, I am informed that the case is still pending, needs to be reassigned, or that the submitted documents were not received due to a fax line issue earlier in the process. Despite these reports, I have not received a single proactive communication or substantive update from Target regarding the status or next steps of my case.

It is unacceptable that after nearly seven months, with clear evidence and law enforcement documentation provided, this matter remains unresolved and continues to accrue interest charges.

I respectfully request the CFPBs support in compelling Target Card Services to : Provide an immediate status update on this fraud investigation. 

Resolve the disputed charges without further delay. 

Remove all related interest and fees from my account. 

Ensure proper communication and documentation handling moving forward. 

Thank you for your assistance in addressing this ongoing issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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

Complaint narrative:
I have contacted bank of America and XXXX XXXX  about an issue about a transaction that was made due to services that was suppose to be rendered but they were never rendered. I tried to receive my money from XXXX XXXX and do a claim but no help I even contacted bank of America did a claim got denied and reopened my claim and sent in text messages in proof and wad still denied. This was for {$890.00} that was made on XX/XX/year> for a home cleaning that was suppose to be done. Bit the services were never rendered from XXXX XXXX. I have tried everything but no help or assistance at all. The son XXXX XXXX subcontracted the job out to XXXX XXXX. Below i show the messages and it was his mom, I told him everything about what happened, I filed a claim through XXXX XXXX but they never asked for any proof then I went to bank of America after 90 days they denied my claim and I reopened and sent in the screenshots below but no help at all. Yes there were money sent prior but for a service the woman never rendered or completed 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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

Complaint narrative:
Someone has my Venmo debit card information and attempted to spend over {$1000.00} on one website. I tried to reach out to the merchant on my own attempted to solve the problem. But unfortunately they did not respond to it. 
I had reach out to Venmo multiple times asking for a refund and I have been denied. 
Claim XXXX XXXX XXXX XXXXXXXX Claim XXXX : XXXX XXXXXXXX Claim XXXX : XXXX XXXX  Claim XXXX : XXXX XXXX Claim XXXX : XXXX XXXX Claim XXXX : XXXX XXXXXXXX Claim XXXX : XXXX XXXXXXXX Please help. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
End of XXXX account was restricted access for review. XX/XX/year> determined account to be closed and Citi bank sent letter stating any funds due to me ( {$44000.00} checking and savings {$6500.00} ) will be issued in a check by mail once account closing processing is complete XXXX days. 
XX/XX/year> account closed and stated balance due back is XXXX. 
XXXX Requested information as to where the funds had gone. Citi bank stated all funds had been returned to all original senders. The Checking account funds were from a loan from family member who has not received anything back. 
{$6500.00} were a minors funds from a XXXX XXXX mandated Custodial account restricted to use until minor reaches of age. Account has been opened and untouched since XXXX XXXX. Funds were distributed from XXXX firm. Law firm confirmed they have no record of receiving any funds back from Citi bank. 
Inquired with Citi bank again where they have been sent, due to recipients nor myself have these funds. Told I am not due any further information and funds have been sent to original sender and I can not escalate or know anything further. Account is closed XXXX funds have been determined due back to myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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

Complaint narrative:
The accounts listed are not familiar to me and I didnt authorize them. Please review and take them off my report. Proof is attached.

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

Complaint narrative:
I want to make clear that these accounts were not initiated by me or with my approval. I request a thorough review of their legitimacy and removal from my record. Documentation has been provided to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent Ally Financial a Notice of Rescission and Cease and Desist Notice by certified mail regarding a Retail Installment Sales Contract dated XX/XX/XXXX for my XXXX XXXX, XXXX XXXX. 
This rescission was issued under 15 U.S.C. 1602 ( g ) and 15 U.S.C. 1605 ( c ) - ( d ) due to material disclosure violations, including improper finance charge disclosures, incorrect creditor identification, and missing security interest disclosures. 
Ally received my rescission on XX/XX/XXXX. Under TILA, Ally had 20 days to acknowledge and 30 days to respond. 
As of today, Ally has ignored my rescission for more than 30 days. Instead, Ally has : Threatened repossession even though the security interest is void under TILA.

Harassed me by phone, including telling me I need a lawyer, which appears to be intimidation. 
Provided false information by claiming I only had 3 days to rescind, which is incorrect and misleading under federal law. 
Continued collection activity despite a formal cease and desist. 
This is a violation of the Truth in Lending Act ( TILA ), the Fair Debt Collection Practices Act ( FDCPA ), and constitutes attempted wrongful repossession. 
I am requesting CFPB intervention to : Stop Ally from attempting illegal repossession Require Ally to acknowledge and honor the TILA rescission Stop all harassment and misleading statements Provide a written response I have copies of all certified mail receipts and the original rescission notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account XXXX Account Number XXXX

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My PayPal account has been permanently limited since XXXX, and PayPal has repeatedly reapplied the permanent limitation even when I attempted to update my information or request access to my funds. I have been unable to update my email or address on file because the email on the account was a high-school email that became inactive after I graduated. Despite contacting PayPal multiple times over the years, I have not been given access to correct my information or withdraw my funds. 

On XX/XX/XXXX, PayPal completed an investigation related to another party. The other partys funds were seized and recovered by XXXX XXXX XXXX. That transaction occurred for the amount of {$2500.00}, and the investigation was closed. After that recovery, the remaining funds in my PayPal balance were legally mine. However, PayPal still will not allow me to withdraw my remaining balance ( currently over {$1100.00} ), even though the investigation is closed and there is no open dispute. 

I have contacted PayPal many times, including an escalation on XX/XX/XXXX, and have received no resolution, no access to my funds, and no explanation for why my account remains permanently limited after the case was closed.

I am requesting assistance to access and withdraw my remaining balance, as well as an explanation of why the limitation continues despite the investigation having been completed months ago.

Company response to consumer: Closed with explanation