vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase to dispute attached transactions based on misrepresentation of service. They misclassified the claim as unauthorized transactions, declined the claim and refused to appeal it. 

I have attached the appeal letter that I provided and they refused to appeal their decision and take a second look

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am disputing the following accounts with TransUnion due to inaccurate reporting of charged-off accounts and late payments. 

CHARGED OFF : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$650.00} LATE PAYMENTS : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account Number : XXXXXXXX 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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
This account is not mine. My husband and I are confirmed victims of identity theft with multi state impacts. Unknown individuals have accessed our financial accounts, added themselves to policies, used our medical insurance, and opened credit accounts in our names. An unauthorized party was added to our XXXX  account with power of attorney privileges, giving them unlawful access to our personal and financial information, which they used to open and manipulate accounts without consent. While one former domestic partner has been identified in the investigation, the scope of the activity indicates that additional individuals are involved, and the method through which our information was accessed appears to extend beyond a single source.

The identity theft is fully documented through FTC Identity Theft Reports, police reports, and substantial evidence showing unauthorized access and misuse of our information across multiple institutions. Law enforcement is actively investigating and pursuing the individuals involved. This is not a billing dispute. It is a documented identity theft case with confirmed fraudulent activity. I am not asking for validation or verification. 

The account at issue was opened with Goldman Sachs. The fraudulent account number is XXXX. I did not authorize, initiate, or benefit from this account. It was created using stolen information during the period in which unauthorized parties accessed and misused our personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to get this matter resolved with XXXX XXXX. They told me that they did an investigation and I was found liable for this car loan. I went to the car dealership where they said I obtained this car loan, and the car dealership had no record of this transaction. They did not have any records, no copy of my identification and no proof that I was the one who obtained this car loan. Consumer law states that these things must be XXXX Percent accurate and I am disputing this fraudulent car loan based on consumer law. I have asked XXXX XXXX  what exactly did they use to authenticate that I was the one who obtained this car loan, when the dealership had no records at all of me Opening up a car loan at all

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 2025-11-10 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year>, my XXXX account got hacked and 2 purchases were made for tickets to basketball games using credit card that I had saved on file. XXXX sent me transaction events via email immediately. I contacted XXXX right away and they were able to cancel one of the transactions but not the other. XXXX instructed me to call my credit card and file a dispute with them. I called Barclays the same day and filed the dispute over the phone. On XX/XX/year>, I received a letter from Barclays stating that they had completed their investigation and determined the transaction to be valid. I called them back on XX/XX/year>, and requested documentation provided by merchant to determine the outcome. On XX/XX/year>, they mailed me documentation from XXXX showing that the account did belong to me. I never stated to Barclays that the XXXX account did not belong to me. The account does belong to me, but someone hacked it and made purchased using the credit cards on file. Barclays reopened the dispute but came back with the same results. On XX/XX/year>, I contacted Barclays via telephone and was instructed by their representative to contact XXXX and get something in writing stating that this transaction was unauthorized. I contacted XXXX that same day and they emailed me a letter confirming that the transaction was unauthorized. XXXX stated that Barclays needs to initiate the dispute process on my behalf. Once the dispute is filed and have received the official notification from Barclays, XXXX will proceed with the refund. I sent the email to Barclays via fax on XX/XX/year>, at XXXX CST. I called Barclays on XX/XX/year>, to follow up. Per XXXX ID # XXXX they would submit dispute to XXXX. XXXX has not received the dispute as of XX/XX/year>.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX recieved a direct deposit into.my XXXX.of XXXX  XXXX. The made the funds available.and i started to pay my bills and transfer the money to.my checking account at another bank which is linked to XXXX  XXXX  by XXXX. 

XXXX froze my account and has retained the remaining XXXX on the account and has XXXX  allowed me XXXX  to withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am requesting an urgent investigation into the reporting of these charge-off accounts. They appear to be reported inaccurately, and I believe they may be the result of data-entry errors or incorrect account status. I ask that these items be thoroughly reviewed and updated accordingly TransUnion ( TU ) CHARGED OFF XX/XX/XXXXAccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XX/XX/XXXXAccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXXAccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXXAccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XX/XX/XXXXAccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Bankruptcy Case Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: OH

Complaint narrative:
b'self/south state bankXXXX XXXX XXXX tx, XXXXXXXXAccount Number: Account number: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

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 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 2025-11-10 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
When I purchased my house in XXXX, it was valued at {$290000.00}, and I paid {$290000.00} for it. I paid down the mortgage to XXXX  % of the original appraisal in XXXX  months and I asked for PMI to be removed. Freedom Mortgage rejected my request and told me that I needed to wait XXXX  years to have the PMI removed. After looking into the Homeowner Protection Act of XXXX, I realized that I needed to pay up to XXXX  % XXXX as per the original amortization table for it to be cancelled automatically. I paid it down to XXXX  % of the purchase amount as of this month ( current balance is {$220000.00} ), and Freedom Mortgage is now again rejecting my request to cancel, saying that I need to reach XXXX  % of their current automated value amount ( according to which my house has lost over XXXX in equity ) or ask for a Broker Price Opinion. However, the Homeowner Protection Act very clearly states that the XXXX  % threshold applies to the original amortization table, and not to any lender model valuation method, and it does not require further valuation once the threshold is met. Their decision does not enforce the homeowners ' protections set in place by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Berman & Rabin, P.A.
State: TN

Complaint narrative:
We began paying XXXX XXXX fees in XX/XX/XXXX. XX/XX/XXXX, we began having some financial difficulties. We would receive a notice of the amount due including any late fees. The management company changed, and they no longer mailed out notices. We received a letter from Berman & Rabin , P.A . stated that we owed over {$1400.00}. We knew that was impossible, because we only missed a few months and the monthly XXXX  fee is {$26.00}. We attempted to log on to the XXXX  account and we were blocked. Within a couple of weeks, we received another collection letter from Berman & Rabin , P.A . requesting over {$2200.00} to settle the debt. On XX/XX/XXXX, I sent an email requesting a full, itemized statement of the charges. I received that on XX/XX/XXXX, and the amount is now {$6000.00}. The breakdown is {$300.00} in assessments, {$110.00} in late fees, {$420.00} in collection fees, and {$5200.00} in other charges. We are also being threatened with foreclosure on our home. I don't understand how a {$300.00} debt has ballooned into {$6000.00} and a foreclosure threat.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
As soon as I realized that Wells Fargo lied to me about a promotional offer that they intentionally dragged their feet on answering so that they could try and collect as much money as possible from me, I completely paid off my credit card balance. As the screen shots will show, I had a XXXX dollar balance on my credit card. However, Wells Fargo actually charged me {$290.00} in interest on a credit card on which I owned nothing. Please let me repeat that - for a credit card with {$0.00} owed, I was charged {$290.00} in interest. I requested a waiver of the full amount since if you applied interest to a {$0.00} balance - the interest would be {$0.00}. I was told that Wells Fargo could only authorize a {$50.00} credit and I believe that is simply wrong, and a clear violation of my rights. Such predatory practices by Wells Fargo are well documented, to include by the CFPB. I implore the CFPB to actually investigate Wells Fargo as I am sure they have engaged in such deceptive practices before and will continue to unless the government ( once again ) holds Wells Fargo accountable. What is perplexing is that, on a recorded line, I was told that I could remove my autopay and just pay the minimum amount - minus the interest that I believe was wrongfully charged to me. On that recorded line, I expressed my concerns that if I did not pay, Wells Fargo would likely assess additional penalties as, in my experience and what I have read on line, caring for the consumer and being ethical is no longer a goal or even aspiration of Wells Fargo. At that time, I also requested a refund of the initial {$340.00} interest that I was charged. I was told that a refund was requested, but could take up to XXXX weeks. When I called today, XXXX XX/XX/XXXX, and spoke to XXXX, she said she could provide the {$50.00}, but when I spoke to XXXX, her supervisor, XXXX said there was nothing that she could do. I will continue to try and find some organization, or media, what will pick up the story or investigate these deceptive practices of Wells Fargo,.

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 2025-11-10 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: KS

Complaint narrative:
am writing to formally dispute inaccurate information on my credit report, which I obtained from TransUnion. Upon reviewing my report, I found derogatory marks and accounts in collection that I believe are incorrect and need to be rectified. 
The items in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Issue : Payment after charge-off / collection Supporting Information : [ Attach any evidence such as receipts, statements, or letters showing that the information is incorrect ] Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : Open account with incorrect payment status Supporting Information : [ Provide evidence such as receipts, statements, or letters showing that the account is current ] As provided under the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate these disputed items and correct any inaccuracies. If any information is found to be unverifiable or not in compliance with FCRA, I ask that you remove it from my report.

Please provide me with written confirmation of your findings as required by law. I have included a copy of my ID and any relevant supporting documents to assist in your investigation.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This problem has been ongoing since XX/XX/year> when I filed my first complaint. I am unable to temporarily lift a credit freeze on my account.

1. I have called customer service multiple times and spoken with different representatives, none of whom was able to resolve my problem. Phone customer service says their system is unable to generate authentication questions and I am directed to try the website or app.

2. On the website, I log in then select the option to " Manage Freeze ''. I am then taken to a page that says I need to change my password. I enter a new password and it just reloads the page and asks me to change the password over and over again. I have tried both XXXX XXXX and XXXX web browsers, and the same problem occurs with both. 

3. On the app, after I log in and select the " Manage Freeze '' option it says I need to login to the XXXX XXXX with an internet browser. I follow the link to the XXXX XXXX the se

quence of events described in step 2 happen. 4. I called Customer Service and asked to have the problem escalated to Technical Support. I was told customer service agents are not able to escalate problems to technical support. I asked to speak to a supervisor and was told no supervisors were available.

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 2025-11-10 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief