vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased tickets via XXXX XXXX for a XXXX XXXX concert scheduled for XX/XX/XXXX but had to cancel on XX/XX/XXXX, more than 24 hours before the event, due to my mother being XXXX. I attempted to resell the tickets through the provided channels, but no buyers were available. I contacted Wells Fargo to dispute the charge and was initially issued temporary credit. However, Wells Fargo later removed the credit without explanation, even though I had submitted proof of cancellation and attempted resale. Despite following all requested procedures and providing documentation, my account has not been properly credited, and Wells Fargo has failed to resolve the issue. I am requesting that this matter be investigated and my refund properly processed.

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 2025-10-16 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX XXXX of XXXX. I had gotten into a fight with the person that sent their self.The money from my accountI walked out the room and she picked my phone up and sent herself the money I contacted cash app.They said I had to submit a refund.Request and that when she denied it, they would send the money back to me.Well, now they're telling me that I have to reach out to her and we are currently in court for a protection order that I put against her.And they refused to send me my money now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am filing a complaint regarding Robinhoods handling of my unauthorized transaction dispute on my Robinhood Credit Card ending in XXXX I reported several charges that I did not authorize or recognize, but Robinhood denied my dispute, claiming that some transactions originated from my XXXX  device, and therefore they considered them authorized. 

This reasoning is legally insufficient under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ). Device origin does not prove that I personally approved, consented to, or participated in those transactions. My XXXX ID or device may have been compromised, but that does not make the charges valid or authorized. 
I also researched the companies that the unauthorized charges were done and they are some kind of crypto companies which makes no sense Robinhood denied unauthorized charges seeing as their credit card does not allow those type purchases. So why would they approve those kind of crypto purchases to begin with and then say I must pay for things I did not do.

Robinhood provided no supporting documentation or transaction proof, such as authorization logs, IP details, or merchant confirmation. They also rescinded provisional credits that were issued during their investigation, despite lacking concrete evidence that the charges were legitimate.

I am requesting that the CFPB require Robinhood ( and its issuing bank partner ) to : Reopen my dispute and provide documented evidence of authorization, or Remove the disputed transactions and restore my credits in accordance with the FCBA.

I am attaching copies of Robinhoods denial email, my dispute letter after disputing online, and any correspondence that shows I have followed proper procedure within the 60-day FCBA dispute window.

This situation has caused unnecessary stress and financial harm, and I am requesting CFPB assistance to please ensure Robinhood complies with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/year>XXXX Navy Federal withdrew {$5000.00}, and on XX/XX/year> thew withdrew {$870.00} from me without any notice to cover an expense in my child 's fathers primary account. An Account that I never use. I was told even though I do no use the account. nor do I have a credit card for the account I am responsible for it. Secondly when putting money into this account I was reassured that my personal funds were separate from any funds of his and the account would never collide. When calling to dispute this they mentioned I was told the wrong thing and there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/, my SoFi Checking account received a direct deposit of {$480.00}. Shortly after that deposit posted, {$450.00} was transferred out of my account to a person named XXXX XXXX XXXX, whom I have never met, authorized, or done business with. I reported this immediately to SoFi and provided screenshots and statements showing the unauthorized transaction. 

Instead of refunding me as required under Regulation E ( 12 CFR 1005 ), SoFi later closed my account and denied my claim, stating they found no error. This determination is incorrect. The transfer was unauthorized, and I did not give permission to anyone named XXXX XXXX XXXX. 

Ive since requested all documentation SoFi used to reach their decision and a reinvestigation of my claim, but I have not received any reimbursement or explanation of how this was determined not to be fraud. I am requesting that the CFPB review this matter and ensure SoFi reopens my investigation and reimburses my stolen funds in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized Credit Inquiry Removal Demand Date : [ Insert Todays Date ] To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX From : XXXX XXXX [ Your Address ] [ City, State, ZIP ] [ Phone : XXXX ] [ Email : XXXX ] -- - Subject : Immediate Removal of Unauthorized Credit Inquiries and Notice of Legal Violations To Whom It May Concern, I am writing to formally dispute and demand removal of all unauthorized credit inquiries that appear on my credit file, particularly those related to automobile financing or dealerships since XX/XX/XXXX. I have not authorized or consented to these inquiries, and therefore, they constitute a violation of federal and state law.

Despite my right to privacy and control over my consumer data, inquiries have been made from variable sources with no proof of permissible purpose or verifiable application record. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, such as an application initiated by the consumer. Any credit pull made without my knowledge or consent is a direct violation of 1681b ( f ).

Additionally, under FCRA 1681i ( a ) and corresponding state consumer privacy statutes, you are required to investigate disputed information and remove unverifiable data within 30 dayshowever, when a clear case of identity misuse or unauthorized access is present, several state laws, including those in California, New York, and Texas, require expedited removal within 4 business days once reported as identity theft or unauthorized inquiry.

As of today, I have contacted all businesses linked to the inquiriesspecifically within the automobile sectorand confirmed no valid application exists. Therefore, these inquiries are fraudulent and must be deleted immediately from my credit file.

Ive attached a list of federal inquiries To include a fraudulent posting by Equifax having to do with XXXX XXXX XXXX XXXX  and already proven to be fraudulent car loan ending up on my credit and has been erased prior and put back on there by Equifax another violation of the law for XXXX. Because the FTC website is currently down I'm not able to make an FTC report but plan on doing it subsequently and as soon as it's up.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized Credit Inquiry Removal Demand Date : [ Insert Todays Date ] To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX From : XXXX XXXX [ Your Address ] [ City, State, ZIP ] [ Phone : XXXX ] [ Email : XXXX ] -- - Subject : Immediate Removal of Unauthorized Credit Inquiries and Notice of Legal Violations To Whom It May Concern, I am writing to formally dispute and demand removal of all unauthorized credit inquiries that appear on my credit file, particularly those related to automobile financing or dealerships since XX/XX/XXXX. I have not authorized or consented to these inquiries, and therefore, they constitute a violation of federal and state law.

Despite my right to privacy and control over my consumer data, inquiries have been made from variable sources with no proof of permissible purpose or verifiable application record. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, such as an application initiated by the consumer. Any credit pull made without my knowledge or consent is a direct violation of 1681b ( f ).

Additionally, under FCRA 1681i ( a ) and corresponding state consumer privacy statutes, you are required to investigate disputed information and remove unverifiable data within 30 dayshowever, when a clear case of identity misuse or unauthorized access is present, several state laws, including those in California, New York, and Texas, require expedited removal within 4 business days once reported as identity theft or unauthorized inquiry.

As of today, I have contacted all businesses linked to the inquiriesspecifically within the automobile sectorand confirmed no valid application exists. Therefore, these inquiries are fraudulent and must be deleted immediately from my credit file.

Ive attached a list of federal inquiries To include a fraudulent posting by Equifax having to do with XXXX XXXX XXXX XXXX  and already proven to be fraudulent car loan ending up on my credit and has been erased prior and put back on there by Equifax another violation of the law for XXXX. Because the FTC website is currently down I'm not able to make an FTC report but plan on doing it subsequently and as soon as it's up.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
When I signed up for the checking account I was told there were no fees. and then one day four years ago I looked at my account and noticed that there was a 10 monthly fee I called up and asked whats up, they told me that I needed XXXX or more to not have a XXXX a month fee. so i put in XXXX dollars. I haven't used the account since. so then I had around XXXX in the account. today when I called in after i logged into my account and saw it was down to XXXX $ they said when I closed my credit card account XXXX was taken from my credit card from the checking account which I was unaware of, then the account went just under XXXX so they had been taking XXXXXXXX XXXX a month ever since. also they opted me into XXXX XXXX which they said they had no documentation of and I have not been looking at my email that I hardly ever open anymore so I didn't know. I asked since its a service fee what service are they providing which the rep didn't know she continually stated the service is that I'm getting interest. So basically I put in XXXX to not have a service fee, didn't use the account for 4 years and got taken for. I'm surprised I didn't get any notifications for an inactive account or anything.

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 2025-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-16 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: TX

Complaint narrative:
THIS IS A FRAUDULENT ENTRY. I NEVER APPLIED FOR OR USED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-10-16 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I am writing to formally demand that you cease all communication with me, whether by phone, mail, email, or any other means, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me.

Furthermore, any further attempts to contact me, including but not limited to reporting this account to credit reporting agencies, will be considered a violation of the FDCPA. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), the court held that reporting to credit bureaus is considered a medium of communication subject to a cease-and-desist request under the FDCPA. Therefore, if you continue to report this account to any credit reporting agencies after receipt of this letter, I will pursue all available legal remedies. 
Please be advised that failure to comply with this demand may result in legal action being taken against your company, and I will seek damages and attorney 's fees as provided under the FDCPA.

I trust you will honor this request promptly. If you believe you are not the appropriate party to receive this notice, please forward it to the correct party and provide me with confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am filing this complaint against Central Portfolio Control , Inc. for inaccurate and incomplete reporting of a closed collection account.

No debt validation or ownership documentation has been received after more than 60 days. The account shows different open and closed dates and balances across bureaus, violating FCRA 623 ( a ) and Metro-2 factual accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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