vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Subject : Ongoing Account Restriction and Withheld Funds Despite Full Compliance with Robinhoods XXXX XXXX : Robinhood Markets , Inc. 
Product/Service : Investment platform / Brokerage account Issue : Account restriction preventing access to funds and trading Complaint Details : I am filing this complaint regarding an unresolved issue with my Robinhood account, which has been restricted for an extended period, preventing me from trading or withdrawing my funds. 

I have fully complied with all requests from Robinhood, including submitting every document and verification requested in many cases, multiple times. Despite this, my account remains restricted, and I continue to receive repetitive requests for the same documents I have already provided. 

Robinhoods support team has failed to provide a clear explanation, resolution timeline, or consistent communication regarding my account status. Each interaction results in redundant document requests without meaningful progress. This has caused me significant financial inconvenience, undue burden, and emotional distress, as I am unable to access my own funds with no transparency or accountability from the company. 

Robinhoods handling of this matter appears to reflect poor internal coordination, lack of procedural fairness, and a disregard for timely consumer resolution obligations under federal financial regulations. 

Desired Resolution : I am requesting the CFPBs assistance in ensuring Robinhood : Provides a clear, written explanation for the continued account restriction. 

Restores full access to my account and funds without further unnecessary delay. 

Reviews and corrects any procedural or communication failures that have led to this prolonged hardship. 

Implements measures to prevent repeated, redundant document requests that impose undue burden on consumers. 

Impact : This ongoing issue has caused me unnecessary stress, financial uncertainty, and emotional distress. I have acted in good faith, followed all instructions, and submitted every required document multiple times. Yet, I remain unable to access my assets or receive a definitive resolution. 

I am seeking CFPB intervention to ensure that Robinhood upholds its obligations as a regulated financial institution and resolves this matter promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year>, Jefferson Capital Systems , LLC sent me an eight-page verification package for an alleged XXXX Pay in XXXX account showing a claimed balance of {$230.00} ( Ref. # XXXX ). 

I had previously submitted a formal debt-validation request under the Fair Debt Collection Practices Act ( FDCPA 809 / 15 U.S.C. 1692g ( b ) ) requiring Jefferson Capital to suspend all collection until it provided full documentation proving ownership and accuracy of the alleged debt. 

Instead of producing lawful proof, Jefferson Capital mailed a generic XXXX Pay in XXXX loan-agreement template that : Contains no consumer identifiers, signature, or E-SIGN consent record ; Provides no chain of title or assignment from XXXX XXXX to Jefferson Capital ; Shows conflicting balances ( {$230.00} vs. {$450.00} in the enclosed XXXX document XXXX with no itemization or accounting ; Omits the original creditors address, charge-off date, or payment history required by Reg F 1006.34 ( c ) ; and Admits in writing that Jefferson Capital is not reporting this account. 

This response fails every element of meaningful verification established by federal law and case precedent ( XXXX  v. XXXX, XXXX v. XXXX XXXX  ). Jefferson Capitals conduct constitutes : FDCPA 807 ( 2 ) ( A ) misrepresenting the character, amount, or legal status of a debt ; FDCPA 807 ( 10 ) using deceptive means to collect ; FDCPA 808 ( 1 ) attempting to collect sums not authorized by law ; FDCPA 813 continuing collection after failure to validate ; FCRA 623 ( a ) ( 1 ) ( A ) risk of furnishing inaccurate data after admitting non-reporting ; and E-SIGN Act 7001 failure to produce any consent or signature proof for an alleged electronic agreement.

Jefferson Capital continues to send collection communications despite never producing proof that this debt exists or that it owns it. Their actions appear to be part of a systemic practice of attaching random template documents from prior creditors to simulate verification across consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
Aldous and Associates has harassed me about a gym membership debt that occurred before I got married. My now spouse was not on any accounts but has been receiving multiple calls about my debt. We do not live in a community property state and he is not responsible for my debt. I called them and asked how they got his information and I they tried lying to me about how they have his number as my phone number when they have reached out to me prior on my own number. They refused to tell me anything else and kept hanging up on me when I would ask because they knew they should not have contacted him and spoke with him about the debt. They refuse to speak with me considering I called them out on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I reviewed my ChexSystems Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair andequitable manner that it be investigated and, if necessary, be corrected or removed.

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 2025-10-22 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: MI

Complaint narrative:
Dear TransUnion 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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:
Dear TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-22 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an account at Chase XXXX XXXX XXXX location XXXX XXXX XXXX on XX/XX/year>. I provided the chase employee - XXXX XXXX a promo code to receive {$300.00} for opening a new checking account. The terms were making a direct deposit over a certain amount and keeping a certain balance in the account. After a few months, I had not received my promo funds and called. I was informed that XXXX had never applied the promo number to my account when opening. I spoke to XXXX and the branch manager - XXXX XXXX and was informed that they made a mistake and I did qualify for the promo funds and they would escalate the ticket- which should take XXXX  month. A month goes by and I still do not receive the funds. After days of calling, I finally hear back from XXXX letting me know that he approved everything, and it will now take XXXX more days to receive the funds which he will reach out to confirm. Another month goes by, I do not receive the funds, nor do I receive any communication. I tried sending emails to XXXX XXXX- a virtual banking manager, who reached out to XXXX directly. I have been told by both XXXX and XXXX my funds were approved by them, yet never received anything. It is now XXXX  months later and still no funds. I have tried going into the branch, calling XXXX directly, and every time they tell me he is in a meeting and can not meet now. I have phone records of me calling every day, emails to XXXX explaining the situation, and they have also made note on the account of the approval from XXXX. This isn't fair to do to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I hereby formally dispute any unsubstantiated or inaccurately documented information on my credit report in compliance with the FCRA and XXXX XXXX reporting standards. Allegations lacking factual proof, particularly those of delinquency and derogatory nature, are contested per legal mandates for precise reporting. It is imperative that claims adhere to the law and regulations. I kindly request verifiable evidence supporting the account 's validity and its permissible use. Should these criteria not be met, I request the removal of said information from my report and authorize the mailing of physical documentation regarding your actions and my updated credit report. Your cooperation is appreciated. 

XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Fraudulent Chase Offer - Added a Chase offer to my Chase Sapphire Reserve on XX/XX/year>, for 10 % Cash Back on XXXX XXXX purchase. The fact that the offer was added on XX/XX/XXXX was confirmed by Chase on XXXX separate occasions. I made a purchase directly with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX - again confirmed by Chase. When the offer did not track, I contacted Chase by phone, and the rep said a ticket was sent to the " Marketing Team '' and I would hear back in XXXX days. XXXX week later I received a response that I was not eligible for the cash back " of {$35.00}. '' I never asked for {$35.00}, the correct cash back was {$14.00}. I called Chase, again they confirmed that I added the offer and made the transactions directly with the airline, and they said they " escalated '' the issue and I would hear back in XXXX days. XXXX weeks later I heard nothing, so I called Chase a third time. The rep again confirmed all the facts and said she would escalate the case again. I asked her to fix the problem, since the escalation of the case last time was just ignored. She could not help. Bottom line- I added Chase offers for a return of {$14.00} and Chase had not honored the offer despite confirmation that all conditions were met. Please note that this is the fourth offer in XXXX months that did not track. Please ensure Chase stops defrauding their own customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LOAN SIMPLE INC.
State: GA

Complaint narrative:
I wanted to see how far my credit score can get me to get a mortgage on my first home. I took a survey from XXXX and then a couple days later, I received a call Monday evening from a guy named XXXX XXXX representing a company called, Loan Simple Inc . He took all of my personal information. He got my full SS number, Addresses of living from the past XXXX  years. Earnings Statement. The address where I work. The address of my company 's HR. My partner 's name. Places where I worked within the last XXXX  years. He has my email and phone number information. He has my debit card information. He took {$36.00} which he wrote, " Its a small {$36.00} fee that goes directly to the credit bureaus which provided our team with a tri merge credit report. This is not a fee that goes to our company at all. Once thats done, well be able to look at the loan programs and any assistance you may be eligible for. I want to make sure we explore every possible option for you and your family to ensure youre getting the best deal. '' Red flag # XXXX. No money should ever go to the credit bureaus just to do a credit check. That stuff should have been free. Then there was supposed to have been a phone meeting yesterday ( Tuesday evening ) but it never happened. I got a text a little bit before about the phone meeting, that about info that he was missing from my residential history so he can " get the file assigned to a loan officer to lock [ my ] call back time ... '' Then I never got the call since when the time came for the phone call that Tuesday evening. Why would he need that info just to lock in the appointment after it was already confirmed? I looked up on XXXX  to see if it was a legit company. Red flag # XXXX. It is now Wednesday. No credit check showed up on any of my report. Red flag # XXXX. I messed up now and I am just doing damage control at this point anticipating what will happen next. I'm just sitting and looking back, at what have I done? Avoid Loan Simple at all costs. It can be very confusing when buying your first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I enrolled in a Chase savings account promotion that required depositing at least {$15000.00} in new money and maintaining that balance for XXXX  days from the coupon enrollment date. I deposited the required funds and kept the balance above {$15000.00} for the full XXXX period. 
After completing the XXXX days, my bonus tracker in Chases  system showed Pending, indicating that the requirements had been met and the bonus was being processed. Shortly afterward, the tracker changed to Did not meet requirements, and Chase denied the bonus. 
When I contacted Chase, they stated my balance was {$5000.00} on XX/XX/year> the XXXX day and that this made me ineligible. This interpretation contradicts the promotions clear wording, which required maintaining the balance for XXXX  days, not beyond that period.

Company response to consumer: Closed with explanation