vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 filing this complaint because all three credit bureausExperian, Equifax, and TransUnionare reporting conflicting and inaccurate information regarding the same XX/XX/XXXXXXXX account ending in XXXXXX/XX/XXXX with a balance of {$1700.00}, and these inconsistencies are harming my credit profile in violation of multiple sections of the Fair Credit Reporting Act. Experian lists the Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, while Equifax reports a different Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, and TransUnion lists yet another Date of Last ActivityXXXXwith a Date Reported of XX/XX/XXXX ; these are all drastically different from one another despite representing the same account. This conflicting data results in my account being inaccurately aged, incorrectly evaluated, and potentially kept on my report for longer than legally permitted, violating FCRA 623 ( a ) ( 1 ) ( A ) ( accurate reporting obligation ), FCRA 623 ( a ) ( 5 ) ( accurate reporting of the Date of First Delinquency ), and FCRA 605 ( a ) ( 15 U.S.C. 1681c ) regarding obsolete information. I have tried to resolve this through the credit bureaus, but the errors continue to persist, and XX/XX/XXXXreporting appears negligent because each bureau is receiving different dates for the same account. These inaccuracies have created confusion, lowered my creditworthiness unfairly, and caused significant frustration, as I can not determine which bureauif anyis reporting correct information, and I am now turning to the CFPB for assistance because I have been unable to get consistent, lawful, and accurate reporting despite multiple attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Complaint Regarding Unauthorized Access, Account Closure, and Loss of Funds Robinhood Markets , Inc.

To Whom It May Concern, I am submitting this complaint regarding unauthorized access to my Robinhood trading account, which resulted in the complete depletion of my portfolio while I was incarcerated.

During the period when these transactions and withdrawals occurred, I had no access to any electronic devices, the internet, or my Robinhood account, making it impossible for me to have initiated or authorized any of the activity in question. 

Upon discovering the issue, I immediately contacted Robinhood and submitted all available documents proving that I was incarcerated at the time of the unauthorized account activity. Instead of assisting me with an investigation or restoring the stolen funds, Robinhood proceeded to close my account without providing any resolution. I believe this is a violation of my rights under federal consumer protection and electronic fund transfer laws, and I am requesting the CFPBs assistance. 

I am seeking : A full investigation into the unauthorized access and withdrawals totaling the amount ofXX/XX/XXXX Restoration of all funds that were removed from my account without authorization. 

An explanation of why my account was closed despite evidence that I was the victim of identity theft or account compromise. 

Any additional remedies the CFPB finds appropriate. 

I have attached supporting documentation, including proof of my incarceration during the relevant period and copies of my correspondence with Robinhood. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX [ Robinhood Account Username : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was the victim of a real estate wire fraud scam on XXXX totaling {$150000.00}. The scammer posed as a XXXX XXXXXXXX representative and used a Citibank account named XXXX XXXX XXXX to receive the funds from me, which I sent via XXXX XXXX XXXX. 

I discovered this fraud on XX/XX/year>, sat down with a XXXX banker seek a reversal, and called Citibank 's fraud department the next day to alert them. 

They were smug and indifferent, unwilling to issue me a reference number or contact to follow up with for status check on the " investigation. '' The effective shoulder shrug from them was shocking, to be honest. I had earlier called the Citibank branch listed on the wiring form, and the line rang off the hook. 

I filed a report with the FBI as well. While I realize that the funds are gone, I'm certain that there is traceability and I will be hiring an attorney to subpoena Citibank for their records. 

Banks should not be content to operate as open air fraud markets and idle as honest XXXX fall into the abyss of financial ruin.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Today XX/XX/year> between XXXX a deposit in the amount of {$620.00} was made to the last Chase ATM on the right located at XXXX XXXX XXXX XXXX XXXX, OH XXXX. The ATM took our cash deposit and then timed out, without providing a receipt nor a deposit into our account. After the machine malfunctioned it said to call a number to confirm that the funds were deposite, but they were not deposited, and unfortunately the branch was closed so we couldnt talk to anyone in person to resolve this. My wife and I called Chase Customer Service and opened a claim in regard to this. They said they will look into this matter for us and deposit a credit into our account within 2 days ; this is terribly inconvenient, but were thankful that theyre trying to do soemthing, at least. In the event that they dont find our {$620.00}, we wanted to open a case with you so that you could look further into the matter, or possibly help us expedite this process, if thats possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed through my Chime account and when I went to dispute the payments I wad told there is nothing that can be done. The account that money was transferred to will be investigated but that's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The Visa debit card I have is through XXXX XXXX XXXX And when I'm done with my donation my XXXX  goes to a window and a scan and immediately processed and the money goes into my account which I'm not able to get my account number or routing number it's only loaded through the XXXX  company. I donate twice a week the first donations Friday and that's {$50.00} the second donation on Sunday that's {$70.00}. I've had this issue one other time before and it was the bank 's fault as it's always the bank 's fault it has never been on XXXX  not granting the money. And normally it takes up to a half hour for the money to go into my account. So I go to the shopping market and I get some razors and I'm also out of gas I gas lights on and I get some razors and try to dry out {$50.00} on top of that and it says I have no money and this has been 2 hours since I donated. So I call and talk to somebody obviously in another country it says that they understand my problem and they don't understand it all obviously don't get it but that's just what they're supposed to say. She goes back and checks put me on hold and says that there's no amount of money there waiting for me to be deposited. I tell her that I'm stranded I have no gas I'm right near the gas station and I'm trying to pull money out and this does not help me. And I'm validated that it was the bank 's fault because I just called and checked my account and the money is in there now 2 hours later but here 's the thing the XXXX  was location closes at XXXX on Sunday so by this time they're already out of the building there's nobody there. And they just miraculously have the money ready for me but I've been put out I had to go borrow money from somebody walk to their house walk back and meanwhile my dog sitting in my apartment he's a puppy and he's peeing and pulling everywhere because I haven't made it back yet. I really don't know what can be done about this other than every time I call there I'm giving a XXXX  excuse that it's not on their end and it's always on their end. One time everybody in that day on Sunday everybody did not get their deposit until the following day. These are people that rely on this money and for somebody on the other end to blow smoke up my XXXX and tell me that they understand my situation is a bunch of XXXX because they don't know anything about this situation. This is a piece of debit card provided for a XXXX  XXXX  so I have not been given a account or routing number nor am I able to get refunds of money put back onto this card it's strictly just paid by XXXX XXXX XXXX  and that's it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXXXXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1100.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Original creditor XXXX Balance : {$100.00} XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the con
sumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the con
sumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to JP MORGAN CHASE BANK CARD dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), JP MORGAN CHASE BANK CARD has failed to respond, verify, or correct the information within the required thirty ( 30 ) days.

Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since JP MORGAN CHASE BANK CARD did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure JP MORGAN CHASE BANK CARD s immediate compliance with FCRA requirements. JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: DISCOVER BANK
State: MO

Complaint narrative:
your YOUR COMPLAINT I Reviewed my account credit report, and I noticed fraudulent accounts on my credit report. Can you please remove these accounts, for they are affecting my ability to obtain credit. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OR

Complaint narrative:
Please correct/update this inaccurate information on 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 2025-11-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX 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 2025-11-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$3200.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$220.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: FL

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 XXXX 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 response to consumer: Closed with non-monetary relief