vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX TD BANK did a DDA OFFSET on my present account for {$240.00}. My previous account was charged off back in XX/XX/XXXX and went to a collection agency called XXXX. I started to make payments with them which was between XXXX and XXXX per month. I finished making my payments in XXXX. XXXX gave me a settlement offer for less than what I had to pay. My initial balance was XXXX but we settled for XXXX. This was paid in full on XX/XX/XXXX with TD BANK. XXXX months later TD BANK debited my present account for {$240.00} for a balance they thought i still owed but it was paid and closed with XXXX on XX/XX/XXXX. It now a double payment? TD BANK never followed up or investigated if this account was paid in full with XXXX. They just debited my present bank account without doing research to see if the account was settled and paid. Me as I should provided proof of my payments and the paid in full letter from XXXX to prove to them that I paid. They totally disregarded my proof I sent in paid in full letter and proof of payments but they are stating because of one of my payments was returned it was not settled but it was because I made the return payment a few days later and sent in proof. XXXX was aware of the return payment but I was advised if I can still make that payment which I did I can still be within the settlement offer. The payment was made and my account was paid in full with XXXX on XX/XX/XXXX. TD BANK FAILED to find out if this was paid off or reviewed my proof. They stating they will not return my XXXX to my present checking and that I still owe them but I dont. My account was paid in full in XXXX and they are not reviewing my proof. They took it among themselves to debit my checking account and not research. Because of this I couldnt pay my bills I was overdrawn and I accrued fees. I felt as though they could have called XXXX or ME to confirm this debt was paid before they did this debit XXXX months later after my account was closed with XXXX. The reason why Im writing this is because TD BANK debit my account and failed to find out if it was paid in full before it was debited and refuse to return my funds. Their recovery department is not following through when they charge off checking accounts and give then to a collection department to handle it and finding out if the account is paid in full before debiting my present account XXXX months later and not acknowledging the paid in full letter. I still as of today do not have my funds returned back into my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-18 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a formal complaint against Equifax and Experian for continuing to report student loan accounts that were removed by TransUnion after a successful dispute. 

I previously disputed these student loan accounts with all three major credit bureaus. TransUnion reviewed the dispute and removed the accounts from my credit report. However, Equifax and Experian have both failed to remove the same accounts, despite receiving the same dispute and documentation. 

This inconsistency is negatively impacting my credit profile and raises serious concerns about the accuracy and fairness of their reporting practices. I am requesting the CFPB to investigate this issue and require Equifax and Experian to either : Remove the disputed accounts if they can not verify them with proper documentation, or Provide concrete evidence that verifies the continued reporting of these accounts, and explain why their findings differ from TransUnion 's.

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 2025-06-18 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: MS

Complaint narrative:
I reviewed my credit report and see that XXXX XXXX XXXX XXXX has wrote an account off on their taxes for XXXX & WRITTEN OFF DEBT! I contacted them asking for a 1099-C since the account is written off on their taxes and I told I couldn't get it because they didn't have one! I contacted the IRS regarding this matter and it's confirmed that this account was written off on taxes then their steady reporting this matter on my credit EVERY month so updating it monthly and to the IRS is ILLEGAL they can't do that at all! And they're in violation of the FCRA 15 USC 1681 S-2 & 15 USC 1681 E-B!

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 2025-06-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was hoping that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My health insurance covered some of the cost. After making a few payments toward the balance, XXXX said I owed {$1100.00} as of XX/XX/XXXX. I was still very dissatisfied with the results on the right leg even after using XXXX and XXXX XXXX for a few months as directed by XXXX. Over the next few months I reached out to XXXX to speak to someone over the phone to see what else could be done abXXXX XXXX XXXX XXXX XXXX XXXX XXXX Shortly, before I received the bill {$1100.00}, I decided to send photos of my XXXX XXXX XXXX XXXX XXXX XXXX. I had been requesting that my bill be reduced. Not too long after that I got a call from XXXX XXXX XXXX XXXX XXXX ( collection co ). I sat up a monthly payment plan on my Capital One credit card since it appeared that XXXX was not going to reduce my bill. XXXX debit my credit card on XX/XX/XXXX for XXXX payment. In XX/XX/XXXX, I got a final reduced bill from XXXX for {$440.00}. I Called XXXX XX/XX/XXXX, spoke to XXXX, who said I still owed an additional {$46.00}. I paid balance of {$480.00}. My balance with XXXX was now paid off. XXXX was to notify XXXX that I now have a {$0.00} balance. There was a pending charge from XXXX on Capital One account XX/XX/XXXX. I called Capital One and explained that the charge from XXXX needed to be removed because the balance was now {$0.00} from XXXX. Capital One said charge could not be removed because it was pending. Called XXXX who said it was too late for the charge to be removed and that I needed to dispute the charge with Capital One. After explanations and all requested paperwork was sent to Capital One, the result of the dispute is now closed with Capital One because they claimed I did not submit all the requested paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
RE : Formal Dispute Under FCRA 611 / 623 / XXXX XXXX Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

Below are the disputed accounts with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. 
ALDOUS AND ASSOC ORIGINAL CREDITOR XXXX XXXX  Opened XX/XX/XXXX No service agreement or cancellation notice has been provided for this gym membership. Reporting without such verification is inaccurate and incomplete under FCRA 611. 
ALDOUS AND ASSOC ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX No service agreement or cancellation notice has been provided for this gym membership. Reporting without such verification is inaccurate and incomplete under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX FIN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase has refused to refund XXXX XXXX XXXX transactions ( {$1000.00} and {$140.00} ) that were made under coercion and manipulation while I was traveling in XXXX. I was told in person to send the money through XXXX XXXX as a temporary hold. I did not knowingly approve the amounts and was misled about what I was authorizing. 

I initially reported it as unauthorized, but Chase denied the claim on the grounds that Face ID was used ignoring the fact that consent under pressure or false pretenses is not valid authorization under Regulation E.

I have explained that I was coerced into completing the transaction, and that I did not understand what I was agreeing to. Despite repeated requests, Chase refuses to escalate or reopen the case, and they incorrectly told me to contact XXXX, even though the funds were pulled directly from my Chase checking account. 

This should be treated as an unauthorized electronic fund transfer under Regulation E, and I am requesting that Chase be ordered to review and refund these charges as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
RE : Formal Dispute Under FCRA 611 / 623 / Metro 2 Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

Below are the disputed account with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. 
APPLE CARD/GS BANK USA XXXX XXXX XX/XX/year> Balance : {$5400.00} The reporting of a charge-off by Goldman Sachs lacks itemized monthly history, which is a material omission and constitutes an incomplete report under FCRA 607 ( b ). No notice of charge-off was issued, violating FCRA 623 ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

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 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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am writing to formally express my concern and disappointment regarding the unexpected closure of my American Express Everyday Credit Card account, which occurred on XX/XX/year>. I discovered the closure when I was unable to access my account, and I immediately contacted American Express customer service on XX/XX/year> to understand why this action had been taken. 

To my dismay, the representative I spoke with was unable to provide any specific reason for the account closure. I was simply told that the decision was final and no further details could be disclosed. This lack of transparency is extremely frustrating, especially given that I have maintained a good payment history and used the card responsibly. 

Additionally, I had accumulated approximately XXXX Membership Rewards points on this account at the time of closure. Since the card was closed, I have lost access to these points, which were earned in good faith and should remain available for redemption. These rewards are a significant part of the value proposition offered by American Express, and I believe I should retain the right to access and use them. 

I respectfully request the following : A clear and detailed explanation regarding the reason for the closure of my credit card account. 

XXXX restoration of access to my XXXX Membership Rewards points or transfer of the points to another eligible account under my name. 
As a long-time cardholder who has trusted American Express , I am disappointed by the abrupt handling of this matter and urge you to review this situation. I would appreciate a prompt response and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hello, I am writing in response to the recent closure of my case regarding unauthorized transactions through Cash App. While the case XXXX appear resolved, I want to make it clear that the issue remains unresolved on my end, as the stolen funds ( {$800.00} ) have not been returned. 

I have followed all steps, including submitting a police report, appealing Cash Apps decision, and providing all necessary documentation. Cash App has not provided a meaningful resolution or refund, and I respectfully request that this case be re-opened or escalated further. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am extremely disappointed with your agencys ongoing failure to address this matter. XXXX has already completed their investigation and removed the disputed inquiriesso I must ask : When are you going to comply?

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