vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in regard to the alleged debt you claim is owed to XXXX XXXX and that you are currently reporting and/or attempting to collect. 

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am hereby demanding that you immediately cease all communication with me regarding this alleged debt. This includes, but is not limited to : Phone calls to my residence, workplace, or mobile phone Text messages, emails, and voicemails Contacting my family, friends, neighbors, or employer You are further reminded that : Contacting me outside of the hours of 8:00 AM to 9:00 PM ( local time ) violates 15 U.S.C. 1692c ( a ) ( 1 ).

Contacting me at my place of employment violates 15 U.S.C. 1692c ( a ) ( 3 ) when you know, or should know, that my employer prohibits such communications.

Communicating with any third party about this alleged debt violates 15 U.S.C. 1692c ( b ).

If you believe you have the right to pursue this matter further, you may only contact me in writing and only to inform me of one of the following : That you are ceasing all collection efforts ; or That you intend to pursue specific legal remedies.

Be advised that any further violation of my rights under the FDCPA will be documented and used as evidence in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and in any legal action I may pursue against your company for statutory damages, actual damages, attorneys fees, and costs. 

You are expected to comply fully with this demand.

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 2025-09-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.q

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/year> I was looking on XXXX to buy tickets to the XXXX concert in XXXX. I found someone who allegedly had XXXX tickets to the concert, and they agreed to sell them for {$170.00} each. The person asked me for my email, and they supposedly sent the tickets via a " XXXX '' file from the email address " XXXX '' ( attached " Scammer Email '' ). I clicked on the file, and the supposed tickets were added to my XXXX XXXX  ( attached " XXXX XXXX Tickets '' ). This looked extremely realistic, so I started sending the money via XXXX. She said her " boyfriend '' would request me via XXXX, and I could send the money ( attached " Scammer XXXX  Requests '' ). A XXXX account by the name of XXXX XXXX requested {$170.00} 3 times, and I accepted XXXX of those requests. I received an email ( attached " Payment in Progress Email '' ) that mentioned the payment was in progress because the " bank or credit union hadn't deposited the funds ''. That seemed a bit off, but I've had this happen before, so I let the seller know via XXXX. They said I could send the money via XXXX for the second ticket. I tried to send the amount for this ticket ( attached " XXXX XXXX '' ) and received an email ( attached " XXXX XXXX '' ) stating " for your protection, payment was refunded ''. I tried again, and the same thing happened. The seller told me that maybe the amount was the problem and that I should send {$75.00} instead. I also found that the name of the account holder on XXXX was " XXXX XXXX ''. The number of red flags started adding up at this point, so I decided to contact XXXX  XXXX  directly. I confirmed with a customer service representative that the tickets weren't real because they would show on my XXXX  account, and the transfer would've taken place via that account instead. I notified the seller about this, and they blocked me ( attached " Scammer Conversation '' ). I immediately filed a claim with SoFi, the bank my XXXX account was connected to, and a few days later I received an email with a denial ( attached " SoFi Initial Claim Denied '' ). I appealed the denial and provided more information, but I also received a denial to that appeal ( attached " SoFi Decision '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to book a flight on XXXX website. After entering all payment information and clicking submit, their website displayed a message stating the ticket was " not available. '' Based on this clear indication that the booking had failed, I immediately went to XXXX and successfully booked the same flight at XXXX XXXX, receiving instant confirmation. 
At XXXX XXXX  - XXXX minutes later - I unexpectedly received a confirmation email from XXXX showing they had processed my payment anyway, despite their website indicating the transaction was not available. This created duplicate non-refundable bookings for identical flights totaling {$1000.00}. 
I immediately contacted XXXX requesting a refund since I was charged after their system said the booking was unavailable. They denied the refund, claiming no error occurred and demanding screenshots of their own system failure - an impossible standard. 
I filed a credit card dispute with Chase, explaining this was a billing error where I was charged for a transaction the merchant 's own system indicated had failed. Chase denied my dispute, incorrectly categorizing it as a service delivery issue rather than a billing error. 
I appealed in writing, providing detailed timeline evidence and explaining that XXXX charged me after their website said the ticket was unavailable. Chase denied the appeal again on XX/XX/year> ( XXXX XXXX ), stating " no billing error occurred '' while refusing to address why the merchant charged me after their system indicated failure. 
Chase 's investigation focused on whether I " received services '' but ignored the core issue : I was charged for a transaction the merchant 's own website said was not available. This is exactly what billing error protections are designed to prevent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am disputing the way CAPITAL ONE is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, CAPITAL ONE, with account # XXXXXXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NJ

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Pay Pal is charging my bank for fraud transactions and denying my disputes as well as my appeals in the amount of {$390.00}. I awoke to a " phishing alert '' attempt from phone security. As I was looking at it, I got a text from my bank asking if I was making {$200.00} debits to Pay Pal. I replied " no '' and my card was canceled. I logged into Pay Pal and was speaking to a fraud specialist in another country as the scammer was actively sending a debit for {$39.00} every XXXX seconds. I informed them that this was fraud and I don't know who this person is. I was told not to worry because the funds hadn't been paid and I was protected and would receive a refund in XXXX hours. After I hung up, Pay Pal paid the fraudster {$390.00}. I immediately called back and again was told I would be getting a refund. Later I found out nothing had been disputed, twice. The scammer was actively still debiting my account as I was talking to them and they paid the scammer sometime after I hung up from the call. I have disputed this and appealed twice but, both times the Pay Pal fraud either entered the wrong transactions or the wrong reason I was disputing them. I finally after making about XXXX calls got a fraud XXXX to re-dispute each of the correct XXXX transactions and Pay Pal denied my dispute and appeal for the reason it was " consistent with my regular usage ''. It is not, I pay XXXX once a month and never make payments to individuals ever. I was told the scammer would have to prove his debits to my account but, then Pay Pal asked ME to provide a " billing agreement '' with the seller ( scammer ) which I told them I can not provide an agreement that I don't have or have never made and my case was closed with no way to appeal it. Pay Pal is stealing my money after I've been a customer for 22 years and giving it to scammer criminals and providing me with no recourse to escalate it. There is only one phone number that goes outside the country and they have the made the problem worse, no e-mail or complaint link for us to use. I am no longer able to work and can't afford to give {$390.00} to scammers,. Pay Pal is siding with the criminal and stealing from me. I can't even close my account because they holding my bank and debit card hostage and ther is no way to remove it. Leaving me open to it happening again. Pay Pal needs to provide a XXXX phone number and escalation e-mail address instead of denying every dispute automatically for the same generic reason every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
b'I owe a balance on my card and I was waiting on a delayed payment prior to being able to make the payment. Therefore, I understand getting phone calls as that is what the credit card is supposed to do. However, Ally Credit Card is in violation of the Fair Debt Collection Practices Act (FDCPA) 12 CFR Part 1006 -- Debt Collection Practices (Regulation F) which details the 7-in-7 rule. Since XXXX, I have received multiple calls within a day almost every day. To date, I have received 44 calls from the phone numbeXXXX XXXX Only on less than 10 of those calls was the following message left identifying the caller: "Hello, this is XXXX XXXX from Ally Credit Card. Please call me or any of our Ally Credit Card representatives today at XXXX. If you would like to opt-out from receiving these messages please call XXXX. However, when you call, it is merely just a collector trying to collect and they are not worried about removing you from a calling list. Below is the dates and times I received calls from Ally Credit Card: XXXXIt needs to stop. I am aware that I owe and I am working with my contract to get payment as soon as possible. But these calls are insane and illegal.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Sunbit, Inc.
State: CA

Complaint narrative:
I'm writing to file a complaint regarding the unexpected and discriminatory closure of my credit account with Sunbit, issued by XXXX Bank ( account ending in XXXX ). On XX/XX/year>, Sunbit restricted my credit card account for the third time, having lifted the same restriction just hours earlier on that same day. This came again after attempting to make a purchase at XXXX XXXX XXXX XXXX for a candle. The transactions made on the account were small, normal everyday transactions, but my credit card activity was heavily watched and scrutinized. 

On XX/XX/year> ; after my account had been restricted since XX/XX/year> ; I received a notice stating that my account was being closed, but no reason was provided. This came after I had already successfully completed Sunbits identity verification process multiple times, including taking a selfie and holding my driver license to verify my identity. 

This also came after filing protected complaints with CFPB, XXXX and Sunbits higher office for their back-end team 's constant harassment and restrictions on my account. 
This action feels arbitrary and deeply concerning. The Equal Credit Opportunity Act protects people from discrimination and retaliation in credit decisions. I believe Sunbit 's decision was not only baseless but also may have been discriminatory based on my background, race, or XXXX. I also live in California, where additional protections under the CCPA and the Unruh Civil Rights Act exist to prevent this kind of action. 

I respectfully ask your agency to investigate this matter. I would also like to know if other consumers are being affected the same way, and I want to ensure Sunbit and XXXX Bank are held accountable for any violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I requested to be provided documentation for my account, because I questioned the accuracy of the amount I was being told was still owed on the loan. I learned that the loan was securitized, pooled with other investors. The promissory note is the secured collateral, which is the payment, in full for the house, title, deed. I want to see who endorsed the check that was ultimately deposited into the bank. I never saw or endorsed a check that was made out to me, therefore ; how could there be a loan that I'm responsible for paying back? My inquiry put the account in billing error status under Regulation Z, CFR1026.23. However, despite, the issue not being resolved ( I was not provided the requested documents ) Fifth Third Bank continue to increase the amount due monthly, and report late payments on my consumer credit report. Fifth Third sent me correspondence stating that I was in default, I was sent a letter that the are exercising their " legal right '' to acceleration pull payment due. All of those action are forbidden while an account is in billing error, pursuant to CFR1026.23. Creditor who do not comply are subject to penalties under 15 U.S.C. 1666 ( e ). In XXXX, I sent Fifth Third Bank, a follow up letter informing them that I didn't receive all of the documents that requested. I notified them what I received and what was missing. 
Shortly thereafter I received notification of their intent to accelerate the requirement of full payment, and directed me to a contact their lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX, I sent XXXX, a Notice of Error and demand to cease acceleration of mortgage loan. However ; upon entering my address into XXXX  it shows my property on sites that sell houses, and my address is listed as an available forclosed property.

Company response to consumer: Closed with explanation