vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I received multiple emails entailing that I had opened a new credit card with CapitalOne for a limit of {$20000.00}. I proceeded to call CapitalOne and explain that this was not my doing. They have flagged the account as fraudulent, and I froze my credit through Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On Monday XX/XX/year> I received an email stating my account was frozen. It said to log in which I did and from there it told me to call them which I did. After being transfered several times I was at the right place. They said no there was no unfreezing my account as they have started the closing process. I asked why and was told all they can tell me is that it's in the process for closure. I asked what's next and told that I have 4 days and it will be closed. That in turn wasn't enough time for my payroll to switch over to a new account. As well as I had some other monies going into it. They will continue to accept monies but won't let me transfer it or use it in any way. I have asked to speak to a XXXX 4 times and keep being told no. I have {$250.00} dollars as well {$79.00}. Which I was told was returned but not yet showing so. I also have about {$120.00} in denied disputes in which I was not in the same state at the time of the charges. I also spoke to them about XXXX charges in which there are several charged yes I do gamble on XXXX but not at that excess I don't spend more than. {$50.00} at a time .They total {$170.00} I was going to file a dispute on them but when I filed the ones I did they limited me. It works out as I was doubled charged. I can't help some hacker got my information. I take precautions to keep my accounts secure. The only one I've had a problem with is credit karma money spend account. I had an issue once before with credit karma and contacted the fcc and I did get my monies refunded but that seeming put up a flag or something every time I call i get very rude reps. And I have to make multiple calls to get anything taken care of. I have been hung up on multiple occasions especially if I ask to speak to a supervisor. I have been switched around XXXX or 5 times before I get someone to help. And they also say they will have a supervisor call me back and guess what no call back that has happened at least XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I would like to formally report the delay in processing my claim ( XXXX XXXX. XXXX ) with Chase Bank regarding an unauthorized endorsement and fraudulent encashment of a check. This is regarding my Checking Account No. XXXX. 

Chase Bank closed all of my accounts due to a security issue and, without my authorization, mailed the funds in the form of a check to my previous address. At that time, I had already left the country, and I can provide proof of this. Subsequently, the check was fraudulently encashed by an unknown impersonator on XX/XX/year>, and the funds were wrongfully deposited into an account other than mine. 

The check details are as follows : Check No. : XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I reported this incident to Chase Bank on XX/XX/year>, under Claim No. XXXX. Additionally, I submitted the Unauthorized Endorsement/Altered Item Form on XX/XX/year>, as requested by the bank. 

At the time, I was informed that the matter would be resolved within 6090 days. However, this period has already passed, and the issue remains unresolved. Despite my repeated follow-ups, I have not received any satisfactory update or the rightful refund of the misappropriated funds. 

During my discussions with Chase Bank representatives and supervisors, I was told that the resolution of this case depends on the response from the other bank involved, and that Chase has limited control over the matter. It was even suggested that there is a possibility my claim may not be resolved in my favor, which would result in the permanent loss of my funds. This position is unacceptable, as these funds represent my hard-earned savings, and I have complied with every procedure required by Chase Bank . 

In summary, my accounts were closed without my consent, the funds were mailed in a check without my authorization, the check was fraudulently encashed while I was abroad, and despite submitting all required documents, my claim has been delayed far beyond the promised timeframe. I respectfully request urgent review and resolution of this matter, with reimbursement of the funds that were wrongfully taken. 

Considering Uniform Commercial Code ( UCC ) Bank Liability for Forged or Unauthorized Endorsements, 2. Expedited Funds Availability Act ( Regulation CC, 12 CFR Part 229 ) and 3. Consumer Protection & Fair Banking Practices, Chase is liable to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a WFBNA Card credit card account that was opened on XX/XX/year> with a reported balance of {$4500.00}. This account is being incorrectly reported as a charged-off account with a balance due. I previously disputed this account and specifically requested proof of the charge-off, correction of the balance to {$0.00}, or deletion of the negative payment status. Despite my dispute, the account was verified without providing any supporting documentation, and I do not agree with the results of the investigation. To date, I have not received proof of the charge-off or proof supporting the negative payment status that continues to be reported. This reporting violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report, and reporting this unverified account as a charge-off without documentation fails to meet this standard. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items, yet no reasonable investigation has been conducted in this case as no proof has been furnished to validate the information.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Byrider Franchising, LLC
State: KY

Complaint narrative:
So I purchased a car from XXXX Byrider in XXXX of XXXX and it was a XXXX XXXX XXXX. I have been nothing, but compliant with them and doing everything they ask. I was sold a vehicle with rust to the frame and rust to the trunk frame on it. They did not disclose any recalls that were on the vehicle, but come to find out there are XXXX on my vehicle and they are major. I was making payments and then my ex took over the payments. XXXX XXXX threatened me over the phone saying that if I voluntarily repossess the vehicle they would garnish my wages at 26 %. Federal law states that only 25 % is the XXXX. They need a court order for that and can not just do that. I feel they wouldnt go the court order route and just go the route of doing it themselves. I have continued keeping on track with the payments and that I need to provide them 30 days notice of where the car is going to be residing. I think that is abusive power and part of predatory lending. I know the asury XXXX percentage is 8 % on general goods and services, but also other pages are telling me XXXX car loan can be 25 % in Ohio while others say 8 % is the XXXX car loan. I am at 22 %. I have been working with my parents on what is next best thing to do, but its like I need time, but they dont care. I understand the vehicle needs to be inspected because of an accident that it was in a while ago and I will whole heartedly be compliant in that manner. They have done nothing, but predatory lending and harassment tactics and scare tactics to get you to comply with them. I have already filed with the AG and the FTC against them. The car has been having engine problems, but I know they wont fix it because for a fact a new motor or repair is worth more than that car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MI

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, First XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
I dont have dates as my account was closed and removed. I believe it was around XXXX. 
I had multiple Cashapp Accounts that I used for different organizations as well as my personal account. Randomly my accounts were all closed. I reached out via the customer support in the app and also called multiple times. Every time they only said heres a link to community standards. I read the document multiple times and never found a community standard I violated. 
Finally after disputing the closing multiple times I finally spoke to someone that said I was gambling. I bought a ticket for a XXXX on my personal anccount and they labeled it as gambling. I explained multiple times that there was no gambling involved in any way and even explained that I could provide them with screenshots of the event and how there was no gambling involved and they still closed all the accounts associated with my social security number. 
I disputed the closing again and was told that there wasnt anything they could do since it was already done. I had bitcoin I had to sell, which really made me mad on top of everything else. 
My first organization has used cashapp since 2020 and the other XXXX for XXXX years. I had my personal account since 2020 as well and NEVER did anything that went against the guidelines. Their customer service SUCKS and its either a robot or someone from another country that you cant understand and they cant understand you. 
Definitely wont ever be back as a customer which stinks because we utilized Cashapp for our concession stand and it was so helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


XXXX 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

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 2025-08-31 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
To Whom It May Concern I am formally exercising my rights under 15 U.S.C. 1692g ( b ) of the FDCPA. This law requires debt collectors to immediately cease all collection activity and provide proper validation of the alleged debt when requested in writing within 30 days of initial contact. 

The accounts Ive listed are not being reported with 100 % accuracy. Unless and until you can provide competent evidence that fully validates the debt including a copy of a signed agreement, a complete account history, and proof of your legal authority to collect you are required to stop all collection efforts and remove this information from my credit report. 

Failure to comply will leave me no choice but to escalate this matter, as the continued reporting of unverifiable information is a violation of my consumer rights under both the FDCPA and the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters to the creditors disputing incorrect information to be deleted off my credit report. The companies are not doing a proper investigation which is against the law and I haven't received the correct documentations showing the investigation of signed contractors from the creditor.

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 2025-08-31 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: IL

Complaint narrative:
I am submitting this complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. Despite my formal dispute dated XX/XX/XXXX, Experian continues to report information that is incomplete, inaccurate, unverified, and not certifiably compliant with Metro 2 standards. This failure has resulted in ongoing harm to my creditworthiness and financial standing. 

I submitted a dispute to Experian demanding that all reported information be factually accurate, timely, complete, and compliant with the Metro 2 format as mandated by the Consumer Data Industry Association ( CDIA ). 

Experian is reporting multiple inquiries and accounts that are unconfirmed, not proven with adequate permissible purpose, and not certifiably compliant with Metro 2 standards. Examples include, but are not limited to XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are deficient as reported because they lack permissible purpose, are inconsistent across bureaus, and fail to meet Metro 2 reporting standards. 

Experian has also failed to properly maintain my personal identifier information, continuing to report names, addresses, and employer information that do not match the identifiers I provided in my dispute. 

Supporting Facts : I clearly provided my accurate personal identifiers ( full name, DOB, SSN, address ) and instructed Experian not to retain or report any information outside of these identifiers. Experian continues to report inconsistent personal data. 

The accounts and inquiries listed above were disputed on XX/XX/XXXX, yet remain unverifiable, inaccurate, and non-compliant. 

Metro 2 guidelines require complete, consistent, and certified reporting across all bureaus ; Experian has failed this standard. 

These violations constitute willful noncompliance under the FCRA. 

Harm : Because of these violations, I have been subjected to negative consequences including : Denial of credit applications Higher interest rates Reputational harm to my creditworthiness

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 2025-08-31 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: TX

Complaint narrative:
I disputed a few XXXX accounts on XX/XX/year> that I paid to its collector, XXXX. I submitted a dispute to Experian. Experian marked the dispute as verifiedno change in the same day ( XX/XX/year> ) without updating the tradeline to reflect paid/ {$0.00} or correcting the remarks. Given the speed and the continued inaccuracies, I believe Experian failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) and did not ensure maximum possible accuracy under 607 ( b ).

Under FCRA 611 ( a ) ( 1 ) ( A ), Experian must conduct a reasonable reinvestigation.

Under 611 ( a ) ( 5 ) ( A ), if information is inaccurate or can not be verified, Experian must delete it or correct it. They did not do either.

Under 611 ( a ) ( 6 ) & ( 7 ), I am entitled to the results of the reinvestigation and a description of the procedure used ( method of verification ), including the name/address/phone of any furnisher Experian contacted. They did not provide this information to me. 

Continuing to report a balance/derogatory status on a paid collection is inaccurate and harmful. This inaccurate reporting suppresses my credit scores and affects my ability to obtain housing and credit on fair terms, despite having no outstanding balance.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Inaccurate Charge-Off Reporting Experian, Equifax, TransUnion Experian shows a charge-off by XXXX XXXX XXXX  with XXXX {$13.00} balance. Reporting such a de minimis balance as a derogatory charge-off is misleading and prejudicial. 

Under FCRA 1681e ( b ) and 1681i, consumer reports must be accurate and not materially misleading. Furnishers have duties under 1681s-2 ( b ) and Regulation V ( 12 CFR 1022.42 ) to ensure integrity and accuracy. Without competent proof of the obligation, including fee structure and lawful interest charges, this account should not be reported as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Re : Inaccurate Charge-Off Reporting Experian, Equifax, TransUnion Experian shows a charge-off by XXXX XXXX XXXX  with XXXX {$13.00} balance. Reporting such a de minimis balance as a derogatory charge-off is misleading and prejudicial. 

Under FCRA 1681e ( b ) and 1681i, consumer reports must be accurate and not materially misleading. Furnishers have duties under 1681s-2 ( b ) and Regulation V ( 12 CFR 1022.42 ) to ensure integrity and accuracy. Without competent proof of the obligation, including fee structure and lawful interest charges, this account should not be reported as a charge-off.

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