vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
In XX/XX/year> I paid XXXX XXXX for wash-and-fold service using my Chase credit card. The business lost and damaged multiple clothing items totaling {$980.00} in value, including designer pieces confirmed by attached receipts. The total disputed amount represents the combined value of several recent transactions with this merchant, all tied to the same service failure and unresolved loss. ( These transactions, posted and disputed on XX/XX/year>, are listed in the attached evidence packet. ) XXXX XXXX admitted using a XXXX courier for pickup and delivery, later claiming this courier may have stolen my dry cleaning. As the business hired and used this courier, it remains fully responsible for the loss. Despite multiple follow-ups, the owner refused reimbursement and provided no valid claim number or proof of resolution with XXXX. 
I submitted detailed documentation to Chase, including receipts, text communications, and photos, showing that the merchant failed to deliver the contracted service and refused to resolve the loss. Chase closed the dispute on XX/XX/year> with details provided by letter and no refund. This decision ignored clear evidence and appears inconsistent with the Fair Credit Billing Act and Chases obligations to investigate consumer disputes in good faith. 
I am attaching my XXXX XXXX Dispute Evidence Packet ( Exhibits AE ), which documents the transactions, communications, and proof of value for the lost and damaged items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One confirmed in writing on XX/XX/year> ( Case # XXXX ) that my correct balance was {$86.00} for the current billing cycle, which runs through approximately XXXX XXXX XXXX. About XXXX days later ( around XX/XX/XXXX ), Capital One re-reported an older, higher balance to the credit bureaus. I never requested or authorized any rapid re-score or resubmission of old data. 

This inaccurate reporting is now appearing as my current balance and has misled lenders. It has harmed my credit profile and is preventing me from qualifying for a mortgage and obtaining new credit. 

I am requesting that Capital One immediately correct and reinstate the accurate {$86.00} balance with all credit reporting agencies, provide documentation showing when and how the incorrect data was furnished, and ensure that the prior inaccurate balance is permanently deleted and not reinserted in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Hello, I recently applied for an Indigo Credit Card through Concorra Credit ( https : //concoracredit.myfinanceservice.com/ ). The day after applying, I decided I no longer needed the card and called customer service to close the account. 

During that call, I was informed that my account had been successfully closed and that the closure could not be reversed. I also confirmed on the website and in the mobile app that my account showed a {$0.00} balance and was listed as closed. I recorded this call on my XXXX XXXX XXXX ( the recording includes the automated message notifying the other party that the call is being recorded ) and have a screenshot showing the accounts closed status. 

However, I received an email today stating that I had enrolled in additional protection for my card accountwhich I found concerning since the account was closed. When I logged back into the app, I discovered that my account had been reopened without my authorization and now shows a {$250.00} balance, even though it had a {$0.00} balance as of XX/XX/XXXX. 

I need assistance resolving this issue immediately, as my account appears to have been reopened without my consent. Please advise on the next steps to ensure the account is permanently closed and that any unauthorized charges or activity are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-01 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: PA

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-11-01 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I recently discovered a large number of unauthorized charges on my card originating from an online game. I disputed these transactions with my card issuer, as I did not authorize them. 

Following that, XXXX suspended my account, stating that they determined the charges were not fraudulent and would only reinstate my account if I contacted my bank to cancel the chargebacks. 

However, given recent reports of a XXXX data breach that allegedly exposed millions of user emails, I question how XXXX can be certain these transactions are unrelated to that incident. 

Im located in XXXXXXXX XXXX. The attached shows sign ins in a different location, on devices I do not own. 

I should not be penalizedor required to reverse valid fraud chargebacksfor circumstances that may stem from vulnerabilities in XXXX own systems.

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 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
After losing my job, I contacted SoFi to request a temporary hardship arrangement or payment deferral. I specifically stated that I would only communicate in writing ( email ) due to my legal rights under the FDCPA. SoFi initially acknowledged my hardship but then referred me to call a senior collections representative, ignoring my written-communication request.

I sent multiple follow-up messages asking for a written hardship plan or confirmation of deferral options, but SoFi never responded. My previous CFPB complaint was closed without resolution, and SoFi has still not provided any assistance or written clarification before my next payment due on XX/XX/year>. I have repeatedly tried to handle this matter professionally, yet SoFi continues to delay and ignore my hardship request, leaving me without a clear path to remain current on my account. 

This lack of response and refusal to honor my written-communication rights violates fair consumer treatment standards and puts me at risk of delinquency despite my documented good-faith efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing this complaint because Santander XXXX  USA continues to inaccurately report my auto loan account as being XXXX months past due, even though I have made the required payments. Despite multiple phone calls and assurances from representatives that the issue would be corrected and late fees would be waived, none of these actions have occurred within the time frames they promised. 

Each time I contact Santander, I am told that the matter will be updated or escalated, but no actual progress has been made. Representatives have also refused to escalate the issue further, leaving me with no resolution. 

Additionally, in XX/XX/year>, I made a payment that Santander claims was never received. However, my banking institution confirmed that the funds were successfully withdrawn from my account. As a result, my bank had to open a dispute, and the payment was resubmitted to Santander. Despite this, Santander still insists they never received the funds. 

These repeated errors, false promises, and refusal to escalate or correct the account are causing financial harm, emotional stress, and credit damage. I believe these actions are unethical and violate fair consumer and credit reporting practices. 

I am requesting that Santander immediately investigate this issue, update my account to reflect the accurate payment status, remove all improper late fees, and correct any inaccurate credit reporting. I am happy to provide documentation from my bank showing proof of payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
All my balance {$57000.00} was withdrawan by capital one on XX/XX/year> without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MN

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-01 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: IL

Complaint narrative:
This credit inquiry was made without my consent, and I have no record of having spoken with the lender on that particular date. Therefore, I kindly ask that you promptly delete this unauthorized inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that these fraudulent accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Hard 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 XXXXXX/XX/XXXX Fraudulent Accounts ( Closed/Charged Off/Collections ) XXXX XXXX  Charged off and closed , Acct. # XXXX, {$61.00} XXXX  XXXX  Charged off, collections, and closed XX/XX/XXXX, Acct. # XXXX XXXX XXXX XXXX Charged off and closed, Acct. # XXXX XXXX XXXX XXXX Closed and in collections, Acct. # XXXX, {$820.00}

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 explanation
Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
I am extremely concerned that the inaccurate accounts are still appearing on my credit report and have not been removed. I urgently ask that the documents I have attached be carefully reviewed so that I no longer have to live in constant worry about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that these fraudulent accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Hard 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 XXXXXX/XX/XXXX Fraudulent Accounts ( Closed/Charged Off/Collections ) XXXX XXXX  Charged off and closed , Acct. # XXXX, {$61.00} XXXX  XXXX  Charged off, collections, and closed XX/XX/XXXX, Acct. # XXXX XXXX XXXX XXXX Charged off and closed, Acct. # XXXX XXXX XXXX XXXX Closed and in collections, Acct. # XXXX, {$820.00}

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 2025-11-01 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting that these fraudulent accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Hard 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 XXXXXX/XX/XXXX Fraudulent Accounts ( Closed/Charged Off/Collections ) XXXX XXXX  Charged off and closed , Acct. # XXXX, {$61.00} XXXX  XXXX  Charged off, collections, and closed XX/XX/XXXX, Acct. # XXXX XXXX XXXX XXXX Charged off and closed, Acct. # XXXX XXXX XXXX XXXX Closed and in collections, Acct. # XXXX, {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: GA

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. 

XXXX XXXX  - XXXX - List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Money was pulled out of my account for purchases I didn't make or authorize.

Company response to consumer: Closed with explanation