vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Hi there, I recently made multiple payments in excess of the monthly minimum. It appears some of that was allocated incorrectly. Instead of paying down the XX/XX/XXXX payment plan which expires on that date, the monies were allocated to the XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX expiration date payment plans. Can we please fix this? I contacted the company who stated to give them XXXX  days to investigate which is outrageous. I need the monies to go the to the proper payment plan before the XX/XX/XXXX expiration date. Also, how will I know where future payments will go? 

XX/XX/XXXX e-Bill Payment {$710.00} XX/XX/XXXX e-Bill Payment {$300.00} XX/XX/XXXX e-Bill Payment {$240.00} XX/XX/XXXX e-Bill Payment {$93.00} XX/XX/XXXX e-Bill Payment {$88.00} XX/XX/XXXX e-Bill Payment {$620.00} XX/XX/XXXX e-Bill Payment {$72.00} Active Promotional Plans Plan Plan Balance as of Last Statement : Expiration Date Plan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Original Purchase Amount : {$940.00} XX/XX/XXXX Purchased : XX/XX/XXXX Expires Soon Plan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Original Purchase Amount : {$1200.00} XX/XX/XXXX Purchased : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHY WAS OVER {$500.00} paid on this and XX/XX/XXXX skipped XXXX XXXX XXXXXXXX XXXX INT LOW PMT {$26.00} Original Purchase Amount : {$570.00} XX/XX/XXXX Purchased : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Original Purchase Amount : {$490.00} XX/XX/XXXX Purchased : XX/XX/XXXX Plan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} Original Purchase Amount : {$760.00} XX/XX/XXXX Purchased : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Experience reporting inaccurate information not fully investigating

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> someone acess my bank account with chase and took {$4700.00} dollars from my checking account via XXXX.my bank and XXXX will not reimburse, XXXX argued that it took place in my cell devise with is false, the same scammer try with a different phone number but same name, and chase blocked him ones but with a same name and last name different number let the money out.now XXXX  or chase like to be responsible for the money.I get every time alerts but this time the alerts didnt have soon enough. 
I got prove how many times I call chase and after telling chase to get rid off XXXX, the person still appears in the XXXX profile.I think chase is 100 % responsible of this scam Need my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
Im requesting the XXXX few be removed. I tried to do transfers from my accounts and your customer service was unable to assist in fact they were sarcastic and rude about assisting. 
Second issue is that I should have already received the bonus on my account that I signed up for and it has not been posted XX/XX/XXXX was XXXX  days since I opened the account Business checkin account under 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting Request for Deletion Dear Experian, I am writing to formally dispute the accuracy of information being reported on my Experian credit report regarding Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On or around XX/XX/year>, as evidenced by the attached XXXX XXXX XXXX document, this debt was sold to XXXX XXXX XXXX. Therefore, the continued reporting of this account by the previous creditor is inaccurate and misleading. Experian is currently reporting this account incorrectly, and such reporting is causing harm to my creditworthiness and financial portfolio. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian conduct an immediate investigation into this matter. Given the clear documentation that the debt was sold, I demand that this account be deleted from my credit report immediately. 
Please provide me with written confirmation once the inaccurate account has been removed. To assist with your investigation, I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). And, will preserve my right to pursue all available legal remedies, should it be necessary after your investigation. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of XXXX XXXX XXXX documentation Copy of Experian credit report ( highlighting disputed account ) Copy of government-issued ID and proof of address

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: KY

Complaint narrative:
A third party company purchased a debt from many years ago that the company had written off. As of recently the third party company turned me into collections every single month from XX/XX/XXXX to XX/XX/XXXX. This company hasn't shown me any proof of my legal contract with the original company. I do not have a contract with this company and they do not have my original contract or anything with my original information. Is a company allowed to turn you into collections every single month just because they purchased it from someone else. The company is called Jefferson Capital Systems. I just want to know if its legal to continuously turn someone in on a monthly basis on a debt that wasn't even theirs to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GFS II, LLC
State: IL

Complaint narrative:
I file an report about the repo due to never owning an car loan or lease always paid cash for vehicle when I got information that I stay in XXXX  I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Regional Management Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and ask for the removal of fraudulent information that appears on my credit report. I am a victim of identity theft, and the accounts and inquiries listed under my name are not mine.

Please see the attached police report, which documents the identity theft. I have also included a copy of my identification and proof of address to verify my identity.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that you immediately block and remove all fraudulent accounts, inquiries, and related information from my credit file.

The following items are not mine and should be deleted from my credit report : Here is the List of each fraudulent account : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I ask that you provide me with written confirmation once the fraudulent information has been removed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX i close the account.I have with chime because I have lost my debit card.And my purse was stolen along with my car.And since then I have not been able to get the money from my account.Which totals over XXXX XXXX XXXX XXXX dollars. There. 
Are at least XXXX deposits that went into the account as time closing.I believe they were my XXXX.Check and also my XXXX  check for that month. There are reasoning is that I went against the cardholder agreements but will not tell me how I went to see cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
For the past XXXX  months, Ive been bombarded with relentless calls from Hunter Warfield. I refuse to answer these intrusive calls because they never provide any explanation for their harassment. I suspect theyre hounding me over a home that my mother owes, which has nothing to do with me. I have no debts and owe nothing. These calls are coming from numbers XXXX identified as Hunter Warfield, and XXXX, labeled as Toll Free. This needs to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Unexpected account liquidation and closer causing loss in funds XX/XX/XXXX Got it you want the complaint/letter to not just accuse them of violations, but also clearly ask for a fair resolution at the end. Heres a tightened version that includes the laws, harm, and a formal request for fair remedy XXXX can use for the CFPB complaint or send directly to XXXX legal/compliance team. 



Formal Complaint Letter ( XXXX to CFPB ) [ XXXX Full Name ] [ Nicks Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Month Day, XXXX ] Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Online Submission : www.consumerfinance.gov/complaint Subject : Complaint Against Robinhood Account Closure Without Due Process ; Request for Fair Resolution Dear CFPB Complaint Review Team, I, XXXX [ Last Name ], submit this complaint against Robinhood Markets , Inc. for wrongful account closure, failure to provide due process, and violations of consumer protection and securities laws.

Summary of Issues My Robinhood account was closed without any formal explanation or resolution.

The only matter Robinhood acknowledged was an unrelated XXXX refund investigation, which does not address or justify the closure of my account. 
This lack of transparency and failure to properly investigate is a direct violation of Regulation E ( 12 C.F.R. Part 1005 ) and the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), which require prompt and fair resolution of disputes. 
The closure has caused severe financial harm : bills went unpaid, accounts went to collections, and my credit and reputation suffered. 



Potential Legal Violations Robinhoods actions may violate multiple federal, state, and commercial laws, including but not limited to : XXXXDoddFrank Act ( UDAAP, 12 U.S.C. 5531 ) unfair, deceptive, or abusive acts. 
XXXX.Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) & Regulation E failure to investigate/resolve errors. 
XXXX.Fair Credit Reporting Act ( 15 U.S.C. 1681 ) indirect harm to credit. 
XXXXUCC 1-304 breach of the duty of good faith and fair dealing. 
XXXX.FINRA Rules XXXX  & XXXX  failure to treat customer accounts fairly. 
XXXX XXXX XXXX Practices Acts ( UDAPs ) unfair treatment under my states consumer law. 

( Additional possible violations include the XXXX XXXX, XXXX XXXX XXXX, and UCC provisions regarding unauthorized XXXX. )

Company response to consumer: Closed with explanation