vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
have been a victim of identity theft, which has unfairly damaged my credit profile. I noticed XXXX accounts that left me confused and frustrated. The first account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$440.00} XXXX XXXX, and the second account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$0.00} XXXX XXXX. Both accounts are marked with late activity that I do not believe is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NV

Complaint narrative:
My account was hacked into and XXXX was move, transferred and someone keeps trying to use my account between XX/XX/XXXX - XX/XX/XXXX. I made the dispute about the transaction on my checking account and chime credit card. I made the dispute on the XXXX when I noticed. During the dispute I canceled my cards and froze my virtual cards and ordered new ones. Never activated the new ones. STILL sense I got ride of the cards and made the dispute. Someone is still trying to spend money put of my account. Of course it all declines because everything is turned off. I told chime about this trying to show proof that it wasn't me that I spending the money they still denied it. I told them look at my spending habits sense I been with them like XXXX I've never once all of a sudden I 5 days spend XXXX dollars at online best by in different states, and XXXX dollar g rocery XXXX in 2 days etc. They still denied my dispute. Everytime I call they transfer between many different people and I have to try to explain my self many times. No help. They just say everything looks fine on their end.i also sent them the identity theft report and the internet crime center report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
TO YOUR COMPANY : This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information.

Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them.

If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : ( XXXX  XXXX BANKRUPTCY ) ( 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 2025-08-23 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: AL

Complaint narrative:
TO YOUR COMPANY : This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information.

Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them.

If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : ( XXXX  XXXX BANKRUPTCY ) ( XXXX XXXX XXXX- ) ( XXXX XXXX ) ( XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I go to the store at XXXX XXXX  yesterday to buy groceries for my son for the weekend. Go up to the registers and am denied the purchase from my bank, twice. I have the money and was genuinely curious why it wasn't working. I get in my email, and several minutes after I get to the store, they sent an email saying your account is restricted. No information why, and the app says XX/XX/XXXX should be when it's cleared up. I talked to three different people at XXXX, all of them hung up instead of actually helping me. " They can't do anything '' is what they said. 
So I have no money, no explanation, and no time frame on when I'll have money. I've made them aware that I have no gas, I have no food, and they have all of my money. They never tried to make it more urgent, they never even offered a way for me to get this done faster. Obviously I'm getting rid of them, but this is XXXX... I'm sick in bed with XXXX, can't feed my kid, can't buy any orange juice and can't get any answers. At this point I'm going to take them to court for damages, and I'm going to run for office to start going after government agencies that allow this patriot act XXXX... I XXXX fought, almost died, and carried dead men across a battlefield for this XXXX country and I can't feed my XXXX kid with the money I earned from working through my XXXX XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have a Barclays AAdvantage Card ( XXXX XXXX XXXX XXXX ) which I used as my primary credit card for the last couple of years. I had used this card when traveling internationally in the past. I recently XXXX and moved to XXXX with a new international phone number. Barclays locked me out of my account because I no longer had access to my old XXXX phone number. 

I have made at least a dozen calls to try to remedy this and to get back into my account to pay my bill. I have provided a copy of my current drivers license, birth certificate, SSN card, and a bank statement, as well as a verbal pass code, my card number, DOB, and the last 4 digits of my SSN each time I call them. They still are refusing to unlock my account and now are asking for tax returns.

I have not had a single late payment in the last 30 years and now I have a blemish on my credit score because this is not resolved. There was no legitimate reason to lock me out of my account to begin with and I am asking that you intervene and expunge the issue on my credit score and to financially penalize Barclays for this bad faith practice.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roadrunner Account Services, LLC
State: AL

Complaint narrative:
I am disputing an account reported on my credit report by Roadrunner Account Services,.

Key points of dispute : 1. The account shows as a charge-off, but my current balance is {$0.00}. I do not owe any money. 
XXXX. Historical information references XXXX XXXX, which is not the original creditor and has never been my creditor. This is misleading and inaccurate. 
3. Roadrunner Account Services, a debt collection agency, is repeatedly reporting charge-off notations every month, which is damaging my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I request a full investigation and demand that Roadrunner Account Services remove this trade line entirely from my credit report, since the information is inaccurate, can not be verified, and is not owed.

This collection agency, is portraying itself as a creditor and reporting this account as a creditor, which is misleading and potentially illegal.

I never received a debt validation notice before they reported this account on my credit report. 
remove this immediately or further legal action will be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My ex husband is using a credit card that is XXXX used. I inform my bank about it is a fraud. Then they said they are going to cancel but he is still using this credit card, now is affecting my credit score.

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 2025-08-23 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: NY

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-23 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: NY

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-23 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:
have been a victim of identity theft, which has unfairly damaged my credit profile. This situation has caused me stress and concern because my credit report does not reflect the reality of my finances. I am asking the FTC to investigate these matters, ensure they are corrected, and confirm that any inaccurate or unverifiable information is removed. I want my credit report to tell the true story of my financial responsibility.Late Close : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I attempted to use an annual travel credit of {$98.00} that was due to expire that day. The account web pages do not display the time of day or timezone when the credit expires. Earlier that day I called the card company to confirm how long I had to use the credit before it expired. The customer service agent told me I could use it anytime today. Because I live in California, I understood that to mean I had until midnight local time ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I tried to book travel using the credit ; the website showed the credit as expired and would not apply it. I immediately called customer service again. The second agent told me the credit had expired aXXXX XXXX XXXX XXXXXXXX XXXX ( not XXXX XXXX ), which meant it had already expired several hours earlier in my local time. Because the website does not show an explicit expiration time or timezone, and the first agent did not specify a timezone, I was unable to use the credit despite attempting to use it the same calendar day I believed it was valid. 

I feel I was misled for two reasons : ( 1 ) the company does not disclose the exact expiry time/timezone on the website or in my account, and ( 2 ) payouts/credits are not displayed immediately when issued ( I have previously noticed delays of up to a day ), which means customers may not see or be able to use credits within the promised 365 days. I attempted to resolve this with customer service the same night but was told the credit had already expired. 

Actions taken by me : Called customer service on XX/XX/year> to confirm expiration was told I could use it anytime today. 
Attempted to use the {$98.00} credit at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX it showed expired. 
Called customer service again immediately; told it had expired at XXXX XXXX XXXX 

Requested documents I can provide if needed : screenshots of the expired credit at time of booking, call reference numbers or transcripts, and account statement showing the credited amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 filing a complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) to dispute several items currently appearing on my credit file. These items are either inaccurate, unverifiable, or reported in violation of federal law and must be corrected or removed.

Charge-Off Accounts Over {$600.00} Without IRS Form 1099-C The following charge-off accounts are being reported without evidence of an IRS Form 1099-C. According to IRS regulations, when a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue Form 1099-C to the consumer and the IRS. The absence of this form indicates the debt has not been formally forgiven, making continued negative reporting misleading and inaccurate. This violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2600.00} XXXX I request deletion or correction of these accounts unless proper verification and a copy of the IRS Form 1099-C are provided.

The following account is not mine and is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$300.00} * * Under FCRA 605B / 15 U.S.C. 1681c-2, credit reporting agencies are required to block and remove accounts that result from identity theft once disputed by the consumer. I demand this account be deleted immediately in compliance with federal law.

Unauthorized Inquiries My credit file also reflects several inquiries for which I did not provide authorization or permissible purpose. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), consumer reports may only be obtained for specific permissible purposes, and under FCRA 619 15 U.S.C. 1681q, it is unlawful to obtain a report under false pretenses. Please remove the following inquiries from my file 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 2025-08-23 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I have paid this account in full and it is still reporting to my credit report, negativly impacting me

Company response to consumer: Closed with explanation