vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On Friday morning XX/XX/scrub> XXXX XXXX  I received a text asking if I authorized a transaction from my checking and I responded NO. About XXXX minutes later I got a phone call from someone saying they were with JPMorgan Chase banks XXXX XXXX department and that my account had been compromised. I verified that the number they were calling from matched the customer service number on the back of my card and they gave me a badge number also, so Im thinking it is real. They sent me a text and asked me to open it and after I did they immediately took over my phone. They informed me that I needed to transfer my money into a new checking account and so that no more money was taken. But, I guess I authorized a wire transfer! When I realized that I had been scammed I went to my local bank and they had my account locked and flagged. The branch assured me that no other activity would take place and the claims department was involved. They continued to help but as the claim entered the escalation phase it was apparent that this was not correctly filed because they said I authorized the transaction. Please help me understand why it was denied although branch bankers continued to tell me it would just take time. Now no one that was involved from day XXXX will answer my phone calls or emails and I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I thought the CFPB helped during these disputes they obviously dont XXXX XXXX XXXX  that my ex was using my phone in my bank account for is not even allowed to operate in New York State . I tried to get a refund from them and submitted a ton of documentation, but nobody wants to return my money here. For example, you guys should read this. 
But this shouldnt even be a issue because NEW YORK New York Attorney General XXXX XXXX today announced that her office has stopped online sweepstakes casinos operating in New York. The Office of the Attorney General ( OAG ), working with the New York State Gaming Commission, identified XXXX online platforms offering players slots, table games, and sports betting using virtual coins that could be exchanged for cash and prizes. New York law prohibits online platforms from offering gambling that involves risking something of value, including virtual coins that can be redeemed for cash or prizes. Online sweepstakes casinos are not subject to audits and other regulatory oversight by the state to ensure that games are not rigged, putting New Yorkers at risk. Attorney General XXXX cease and desist letters to the operators of these platforms, demanding that they stop all prohibited gambling activity in the state, and as a result, all XXXX platforms are ending the sale of sweepstakes coins in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my 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 non-monetary relief
Consumer complaint received 2025-11-25 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 formally dispute several items that have appeared on my credit report. The following accounts are incorrect and need to be removed or corrected based on the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws. Please find the details of the disputed accounts below : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-25 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: LA

Complaint narrative:
I am writing to dispute several items on my credit report. Below are the accounts that I believe are being reported incorrectly, and I request that you investigate and correct the information as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-25 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: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
XX/XX/25 Dispute unauthorized charge of {$64.00} merchant XXXX XX/XX/25 REFUNDED {$64.00} XX/XX/25 REVERSED REFUND

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint as a consumer seeking an investigation into inaccurate and/or unverifiable information being reported on my credit file. I have disputed the following items with the respective credit bureaus, but they remain uncorrected or have not been properly verified in compliance with the Fair Credit Reporting Act ( FCRA ). 


Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : TransUnion is XXXX multiple duplicate and outdated accounts as well as unauthorized inquiries. Some inquiries are appearing multiple times within short time frames, which I believe are duplicates or soft pulls incorrectly coded as hard inquiries. I am requesting deletion or correction of any unverifiable items.

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 2025-11-25 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: FL

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( EQ ) XX/XX/XXXX XXXX * * * * XX/XX/XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX XXXX XX/XX/XXXX XXXX * * * * XX/XX/XXXX XXXX LATE PAYMENTS ( EQ ) XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * * * XX/XX/XXXX XXXX * * * * XXXX XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
On XX/XX/year>, Bank of America suddenly restricted and closed my account without any prior notice, explanation, or opportunity to respond. The closure letter dated XX/XX/year> contained no reason and stated that the decision was final. 

Before the closure, the only relevant activity was a legitimate {$660.00} XXXX repayment from a friend and card usage in XXXX, XXXX and XXXX XXXX, where I am currently living temporarily. I had already notified the bank of my international travel through the online system, so this should not have been flagged as suspicious. 

After the account was blocked, Bank of America assigned a specialist, but this person has never answered a single email or phone call. I made multiple attempts through several Bank of America customer service lines, the financial center, and the assigned specialist, with zero meaningful response. I have been left without access to my funds, without due process, and without any explanation. 

This lack of communication is causing ongoing and significant harm. I can not access my funds, can not receive instructions on the release of my balance, can not obtain a compliance explanation, and can not understand what internal reason code triggered the closure. The banks refusal to communicate directly prevents me from resolving the issue. 

This is not simply poor customer service it is a failure to provide federally required notice, a failure to provide due process before an adverse action, and a failure to cooperate with the complaint review process. 

I am requesting CFPB intervention because Bank of America is not complying with its duty to provide a substantive response and its assigned representative is not responding in any manner.

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 2025-11-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

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 2025-11-25 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: CA

Complaint narrative:
On XX/XX/year>, I received a credit monitoring alert notifying me that XXXX XXXX had reported a delinquency on my account. When I logged into my account to investigate, I discovered that an annual fee had been charged in XXXX. I can see the fee reflected on my XXXX statement, but the system does not show the exact date it posted. 

I do not use this card and was never notified of the annual fee posting. Because I did not receive any notice and because I have not been able to enroll this account in autopay ( a feature I use on all of my other credit cards ), the balance went unnoticed. Over the following months, late fees and interest accrued, totaling {$100.00} by the time I discovered the issue and paid the full amount on XX/XX/year>. 

I immediately called XXXX XXXX to request assistance and a goodwill adjustment since this was an unintentional oversight caused by lack of notice and the inability to set up autopay. XXXX XXXX informed me that they were unable to help in any way and refused to consider any goodwill adjustment or review of the reporting. 

I am requesting that this delinquency be reviewed and removed because the reporting does not accurately reflect my payment behavior, and the late payment resulted solely from improper or insufficient notice of the annual fee and system limitations preventing autopay enrollment. I acted immediately once I became aware of the balance.

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 2025-11-25 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: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Novo Platform Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction and extremely poor customer service I received from Novo Bank. 

On XX/XX/XXXX, Novo Bank withdrew {$400.00} from my account without my authorization. I did not initiate, approve, or manually authorize this transaction. At the exact time Novo claims the authorization occurred approximately XXXX PM EST I was out of the country, in the middle of dinner, and not on my phone at all. I have never used or pressed any manual approval button for this transfer, and there is no scenario in which I would have willingly authorized this deduction. 

Upon noticing the missing funds, I immediately contacted Novos customer support ( XX/XX/XXXX ). My first representative was XXXX but he had limited information and provided me the account services number since they were closed at this time. My representative this morning, ( XX/XX/XXXX ) XXXX, who was unhelpful and stated she could not provide the time the supposed authorization took place. I requested a supervisor, and was transferred to XXXX, whose assistance was equally inadequate. 

XXXX informed me that Novos technical support team denied my fund request, claiming that I had approved the transaction on my end an assertion that is completely false. I was not on my device and did not authorize anything. Additionally, XXXX provided the exact time the transaction was submitted, which directly contradicted XXXX statement that they had no access to this information. 

Because I am currently out of the states, Novos unauthorized withdrawal has left me temporarily stranded with insufficient funds to return home, causing significant hardship, stress, and financial instability. Despite the severity of the situation, Novo has refused to reverse the transaction or provide a temporary credit while they investigate, even though the evidence clearly shows I did not authorize the payment. 

I have acted in good faith, and I am now experiencing real financial consequences due to Novos actions. I respectfully request urgent intervention to resolve this matter. 

Thank you for your attention. 

Name : XXXX XXXX Email / Phone : XXXX Transaction Amount : {$400.00} Date of Unauthorized Withdrawal : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation