vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing a charge with a XXXX, XXXX XXXX in XXXX XXXX, California. A man was recording me XXXX in violation of state and federal law and in violation of the company 's own written policies. I dispute this charge on contractual misrepresentation, superseding illegality, frustration of purpose, and most importantly to Chase, both misrepresentation and quality. These are very valid legal grounds to dispute a purchase. Chase Bank is pretending to be stupid and claiming it's authorized so nothing can be done. In fact, I have disputed charges in the past and gotten full refund. Chase is simply being lazy and articulate again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyota has been contacted several times concerning reporting inaccurate information on my credit report as well as displaying inaccurate payments on their platform. Nothing has been done concerning it. It has caused great damages and it needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX8XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

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 2025-12-23 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
This account is not mine and has been wrongfully added to my credit report with misleading and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2025\n\nThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of XXXX XXXX XXXX XXXXo the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to 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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a pending transaction since XX/XX/year> for almost {$6600.00}. I have sent multiple emails and text to them which I forwarded from the merchant saying there should be no pending charges as everything has been paid. I notified them on 11/8. All they do is say that the problem is being escalated. ( 9ver 70 emails/texts/request for a call back since they have no phone number to call ) A few problems with that.

1. Their terms and conditions say all pending transactions will be lifted after 15 days ( they have sent me that multiple times ) its been 59 days.

2. I am paying an annual fee for the card that I supposed to have 24/7 support. It takes XXXX hours to get a response if I get one at all. At that time all they say is we are escalating the issue.

3. Multiple times I have offered to set up a call with them and the merchant to get the issue resolved they have declined every time.

4.i am paying an annual fee that I can not use due to the pending transaction on the card.

5. I have asked to close the account so I can reopen another card but due to the pending transaction I cant. So I am stuck paying for the card but I cant use it.

6. Whenever Im actually able to speak to a live person I ask for a supervisor. They assure one will call to resolve the issue but as of day 59 I have yet to hear from one.

7. I have spent over 30 hours trying to get an issue resolved with no resolution. No ETA as to when it will get resolved. Although multiple documents from the merchant saying there should be no pending transaction.

8. They are charging an annual fee for a card I cant use and breaching the agreement with them as part of the annual fee is 24/7 support which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Account NAME : XXXX No account # listed To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced account.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once you receive this notice, you are required to stop contacting me regarding this debt, except to notify me of specific legal actions you intend to take or to confirm that you will cease further contact.

This request applies to all forms of communication, including but not limited to phone calls, emails, text messages, letters, and contact with third parties.

Please note that this letter is not an acknowledgment of liability, nor is it a refusal to pay any valid debt. It is simply a formal request to stop communication.

Any further contact from your agency, other than what is permitted by law, will be documented and may be used as evidence of noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am responding to XXXX Ones request for verification. I am not agreeing to communicate by mail. All communication must remain within the CFPB portal. 

For identification purposes only, the following information is provided so this matter can continue through CFPB : Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX Account number : XXXX * * * * or ending in XXXX I am not requesting phone calls, mailed correspondence, or off-platform communication. I chose to submit this through CFPB so there is a documented record of all responses. 

This complaint is a goodwill request, not a dispute of ownership or balance. I have already provided sufficient identifying information for Capital One to review my account and consider the request. Requiring mail verification is unnecessary and creates an unreasonable barrier to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am NOT claiming identity theft. 

I am filing this complaint due to inaccurate, inconsistent, and unverified credit reporting by the following creditors and their agents : XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX. ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX, and XXXX XXXX. 

Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ), my consumer disclosures contain conflicting balances, account statuses, payment histories, and dates of activity across TransUnion, Experian, and Equifax, rendering the information materially misleading and incomplete.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I disputed these inaccuracies and requested a reasonable reinvestigation. The responses failed to demonstrate that any lawful or meaningful reinvestigation occurred.

Further, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested a description of the procedures used to verify the information, including the furnishers contacted. This information was not properly provided.

Because these accounts can not be verified and are not being reported with maximum possible accuracy, continued reporting violates the Fair Credit Reporting Act. I respectfully request FTC review and enforcement, including correction or deletion of all inaccurate and unverifiable information.

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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am NOT claiming identity theft. 

I am filing this complaint due to inaccurate, inconsistent, and unverified credit reporting by the following creditors and their agents : XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX. ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX, and XXXX XXXX. 

Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ), my consumer disclosures contain conflicting balances, account statuses, payment histories, and dates of activity across TransUnion, Experian, and Equifax, rendering the information materially misleading and incomplete.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I disputed these inaccuracies and requested a reasonable reinvestigation. The responses failed to demonstrate that any lawful or meaningful reinvestigation occurred.

Further, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested a description of the procedures used to verify the information, including the furnishers contacted. This information was not properly provided.

Because these accounts can not be verified and are not being reported with maximum possible accuracy, continued reporting violates the Fair Credit Reporting Act. I respectfully request FTC review and enforcement, including correction or deletion of all inaccurate and unverifiable information.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
I tried to use my cashapp account and it says my account was closed and I can no longer use cashapp. They wouldnt give a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am NOT claiming identity theft. 

I am filing this complaint due to inaccurate, inconsistent, and unverifiable credit reporting in violation of the Fair Credit Reporting Act. 

Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ), my consumer file does not contain complete or accurate information. The following accounts are being reported with conflicting balances, statuses, payment histories, and dates across TransUnion, Experian, and Equifax : * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX ( Original Creditors : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  ) * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I disputed these inaccuracies and requested a reasonable reinvestigation, but the errors remain. Further, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested a description of the procedures used to verify the information, which has not been properly provided.

Because these accounts can not be verified and contain contradictory information, continued reporting violates the FCRA. I request FTC review and enforcement, including correction or deletion of all inaccurate information.

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