vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I paid {$450.00} using my Chase debit card for a professional service that was advertised and confirmed as a lace closure sew-in a hair extension method that is sewn into braids and lasts several weeks. Instead, the stylist glued the hair onto a cap without informing me and without my consent. This is a different, cheaper method that lasts a shorter amount of time and was not the service I paid for or agreed to. 

On XX/XX/XXXX, I contacted the merchant after noticing signs that the install was glued, not sewn. A few days later, the stylist admitted in writing that she gave me a different service than what I booked. She offered a free maintenance appointment instead of a refund. I declined. 

I filed a dispute with Chase on XX/XX/year>. I submitted : A screenshot of the appointment confirming the service I booked Messages where the merchant admits she performed the wrong method Photos of the glued install A signed letter from a licensed cosmetologist stating that I did not receive the service I paid for. 

On XX/XX/year>, Chase denied my dispute, claiming the charge was authorized. However, this is not about authorization. It is about being deceived and charged for a service I did not receive. I did not agree to the service that was performed. This is not a dissatisfaction or quality issue. I was simply misled and overcharged for something I never agreed to. 

Chase refused to reconsider the dispute, and I was told my only option was to resolve it with the merchant or take her to small claims court. The merchant has refused to refund me. Because Chase advised me to reach out to a third-party licensed cosmetologist to evaluate my hair, I was forced to pay for consultations and spend time searching for hairstylists to write the letter for me, but Chase still denied my claim. 

I am requesting the CFPB investigate Chase 's improper handling of this clear case of merchant misrepresentation and ensure they properly reverse this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
Dear CFPB, Please see the attached complaint regarding Prosper Credit Cards mishandling of unauthorized transactions on my account. 

Thank you, 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 2025-07-26 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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.

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 non-monetary relief
Consumer complaint received 2025-07-26 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: VA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent inquiry on mycreditreport. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I am submitting this formal complaint to Equifax concerning inaccurate information on my credit file that has not been properly validated, confirmed for accuracy, or physically verified. 

Upon reviewing my credit report, I identified questionable and potentially incorrect entries that appear to lack proper verification. As a consumer, I have the right to request the prompt removal of such items under both federal and state consumer protection laws. This complaint also serves as a reminder of your obligation to comply with FACTA Title I, Section 151, which outlines the appropriate procedures for handling consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
There are discrepancies in my personal details on the credit report. Please look into this matter and update the information accurately within XXXX business days.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive noticed errors in the personal information shown on my credit report. I respectfully request that you investigate and make the necessary corrections and updates within the next XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Issue Type : Deposits and availability of funds Bank Name : Chase Bank Check Amount : {$24000.00} Deposit Date : XX/XX/year> Current Hold Release Date : XX/XX/year> Complainant Name : XXXX XXXX Complaint Description : My name is XXXX XXXX, and I deposited a {$24000.00} cashiers check issued by my mortgage company into my account with Chase Bank on XX/XX/year>. 

Upon deposit, the Chase mobile app initially stated that the funds would be available by Friday, XX/XX/year>. However, without notice or explanation, Chase changed the availability date to Friday, XX/XX/year>, withholding the entire amount for XXXX calendar days. 

As this was a cashiers check, it should be subject to expedited availability under Regulation CC, specifically : 12 CFR 229.10 ( c ) ( 1 ) ( v ) : Requiring the first {$5500.00} of a cashiers check to be made available by the next business day following deposit, And 12 CFR 229.13 : Allowing extended holds only under specific conditions, with written notice given that states the reason and expected availability date.

Chase has not released any of the funds, not even the initial {$5500.00}, and has not provided a written notice explaining the reason for the extended hold, which is a violation of Regulation CC. I have attempted to contact Chase to get an explanation and a funds availability breakdown, but have not received any clear answers. 

This delay is causing unnecessary financial stress. I am requesting the CFPBs assistance in ensuring Chase complies with federal law and promptly releases my funds or provides the proper notice and legal justification for this extended hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
To Whom It May Concern, This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ), and it pertains to fraudulent and inaccurate accounts that have been reported under my name due to identity theft or reporting errors : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I am demanding the immediate and permanent blocking and deletion of all the following accounts, which were fraudulently opened or inaccurately reported under my identity : XXXX Account # : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00} Status : Charge-off XXXX XXXX Account # : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$640.00} Status : Late Payment XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3000.00} Status : Late Payment XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2300.00} Status : Late Payment ( LP ) 2. 15 USC 1681i : I am exercising my legal right to disput

e these accounts and request their deletion as they are inaccurate and/or unverifiable. These tradelines should be thoroughly investigated and immediately removed.

3. 15 USC 1681e ( b ) : As per this statute, credit reporting agencies are obligated to maintain reasonable procedures to ensure maximum possible accuracy. The existence of these accounts under my file represents a failure in such procedures. I demand a full review of my report and the correction of all resulting inaccuracies.

4. 15 USC 1681g ( a ) : I formally request a copy of my complete consumer report to verify what is being reported and to identify any additional inaccuracies related to this issue.

5. 15 USC 1681m : Please ensure that no negative information arising from this breach continues to be reported or distributed to third parties, in compliance with your obligations under this statute.

6. 15 USC 1681n : Should you fail to comply with these obligations, I reserve the right to seek statutory damages for your willful non-compliance under the FCRA.

I expect written confirmation of your receipt of this letter, your findings regarding these accounts, and the actions you have taken. Furthermore, I would appreciate an update on any measures you are implementing to protect my personal information going forward.

This matter requires your immediate attention. I expect your written response within 4 days from the date of this letter. 

Sincerely, 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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Citibank ( CitiCards CBNA ) on my credit report, which remains unresolved after a recent dispute filed through XXXX. 

Background : Creditor : CitiCards CBNA Original Account Closure Date ( per report ) : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Charge-Off Date ( per updated report ) : XX/XX/XXXX Delinquency Reporting : Continues to show XXXX day late payments from XX/XX/XXXX through XX/XX/XXXX, despite being closed. 

Issue : There is a clear contradiction in the reporting : The account is listed as closed as of XX/XX/XXXX. 
However, it continues to reflect delinquency and a charge-off occurring well after the account was closed, up through XX/XX/XXXX. 

I disputed this with XXXX, and while they claimed to have updated the information, the underlying inaccuracy remains. Reporting late payments or a charge-off after account closure without sufficient justification may be in violation of the Fair Credit Reporting Act ( FCRA ) due to : Inaccurate and inconsistent reporting Failure to correct misleading data after dispute What I Am Requesting : 1. A formal investigation into Citibanks reporting practices on this account.

2. Immediate correction or removal of the inaccurate late payments and charge-off reporting post-closure.

This was removed from my credit report and re-added!

Thank you for your attention to this matter. I appreciate your assistance in ensuring accurate and fair credit reporting. 

Sincerely, 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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MS

Complaint narrative:
My cash app account has been locked because I logged in on my new phone. The only money I have to my name is in Cash App. I cant send or transfer or spend my money. They said it would be resolved in 24 to 48 hours and they would send me a response. They have done nothing and now I have no access to my money. I have verified with cash app that it was me on a new device and verified my account on 5 different calls and messages. No one Ive spoken with could do anything to help me but say that its being reviewed by their security team the first few times and now its being looked at by their specialized team. Please help me get access to my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I submitted a Borrower Defense to Repayment application on XX/XX/XXXX. According to 34 C.F.R. 685.205 ( b ) ( 9 ) and Department of Education policy, if the application remains pending for more than 180 days, interest must stop accruing.

Despite being in forbearance, my loan has continued accruing interest beyond XX/XX/XXXX, and my balance increased by {$41.00} in XX/XX/XXXX. I have not received a loan statement since XX/XX/XXXX. Nelnet has confirmed the interest is accruing, but refuses to reverse it or apply the appropriate forbearance type. 

Ive contacted them multiple times. Their responses have contradicted each other and failed to acknowledge the federal regulation. This has affected my credit report and exposed me to unfair financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
While reviewing my credit report as I regularly do, I noticed unexpected discrepancies. I attempted to refresh the browser, thinking it might be a technical glitch, but the incorrect accounts still appeared. Given this, I respectfully request that the documents I submitted be reviewed carefully so this issue can be permanently resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I added XXXXXXXX XXXX  to robin hoood and they closed my account I sent in all information. Now they not trying to release my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX  Account number : XXXX Inconsistent information reported across all 3 reporting bureaus Transunion, Experian, and Equifax as follows : Date opened XX/XX/year> VS XX/XX/year> High credit {$2100.00} vs {$1500.00} Credit Limits Account type XXXX believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 

Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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