vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I contacted Chase Bank on XX/XX/year>, regarding several charges to my checking account, which I do not use as my primary account. The charges included : XXXX : {$11000.00} XXXX : {$620.00} XXXX ( XXXX ) : {$500.00} XXXX : {$100.00} XXXX : {$1100.00} XXXX ( XXXX ) : {$1700.00} XXXX  : {$110.00} XXXX  : {$72.00} XXXX  : {$190.00} XXXX : {$260.00} XXXX : {$540.00} After reaching out to Chase and attempting to create a fraud claim for these charges, I was informed that they would do everything in their power to assist me and that I would receive a temporary credit for these transactions the following day. However, when I checked my Chase app on XX/XX/XXXX, I noticed that many of the claims had been canceled or closed, which I found odd given that only 24 hours had passed. 
I then contacted XXXX about the {$11000.00} charge, and they stated that this attempted order was never fully processed and had been canceled. They indicated that they just needed Chase to initiate the transfer of funds back to my account, as they had marked the order as fraud on their end before it was processed. 
When I contacted Chase to provide this information, I was told they could do nothing about it and that I would need to fill out a dispute form that would be sent to me in the mail. The representative I spoke with was quite rude and showed little empathy regarding my situation, which has left me feeling frustrated and at a loss for my funds. 
I also inquired about the other claims, only to be informed that they had been closed and that there was nothing more they could do. I had contacted them in a timely manner, and I provided all the necessary information, including reaching out to the merchant companies, all of whom stated that Chase had a role in the refund process for fraud. 
I have been in contact with these merchants since XX/XX/XXXX, and they have confirmed that Chase is responsible for facilitating the refunds. It is bewildering to me that I am having to navigate so many hurdles regarding my personal funds, especially given the significant impact this has on my family 's financial stability. The lack of support and the dismissive attitude from the agents I spoke with is incredibly frustrating. 
I am requesting that my claims be reopened and that the funds be transferred back to me as soon as possible. Thank you for your attention to this matter. I hope to be taken more seriously and not brushed off on the phone by customer service. I will be switching banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting XXXX XXXX  XXXX XXXX XXXX XXXX Charge-Off Dear Consumer Financial Protection Bureau , I am filing a complaint concerning inaccurate and misleading reporting on my credit file by XXXX XXXX  XXXX XXXX XXXX The account details are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status Reported : Account charged off, {$500.00} written off, {$500.00} past due as of XX/XX/XXXX Reported Balance : {$500.00} Credit Limit : {$300.00} On Record Until : XXXX XXXX Status Updated : XX/XX/XXXX This reporting appears to violate the Fair Credit Reporting Act ( FCRA ). My concerns are outlined below : 1. The account is reported as both a charge-off and simultaneously past due in the amount of {$500.00}. These are contradictory statuses. Once an account is charged off, it can not continue to reflect a past-due balancethis results in duplicate derogatory reporting that misrepresents the true status of the account.

2. The payment history continues to reflect CO ( charge-off ) notations for multiple months in XXXX and XXXX, even though the charge-off date was already established in XX/XX/XXXX. Continuing to update the account with repeated charge-off codes after the initial charge-off unfairly inflates derogatory reporting. 
3. The accounts Date of First Delinquency ( DOFD ) and removal date appear inconsistent. The report states this account will remain until XX/XX/XXXX, which suggests the account may have been re-aged, extending the reporting period beyond the allowable 7 years from DOFD. This practice is unlawful under FCRA 605 ( c ). 

I respectfully request that the CFPB investigate this matter to ensure compliance with federal law. Specifically, I ask that XXXX XXXX  XXXX XXXX and the credit bureaus be required to : Correct or remove the duplicate derogatory information. 
Stop reporting a past-due balance once the account is charged off.

Ensure that the reporting period is calculated correctly from the true DOFD, not from later updates.

Provide me written confirmation of compliance.

This inaccurate reporting is causing unnecessary harm to my credit standing. I request the Bureaus assistance in holding the furnisher and credit reporting agencies accountable under the law.

Thank you for your prompt attention to this matter.

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 2025-09-27 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: TX

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion regarding an account reported by XXXX XXXX XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The information being reported is inaccurate, incomplete, and unverifiable, violating my rights under the Fair Credit Reporting Act ( 15 USC XXXX ( b ) and XXXX ) and Metro 2 compliance guidelines. 

The bureaus are reporting conflicting data : Different high balances across all XXXX bureaus ( {$26000.00} vs {$0.00} vs {$25000.00} ) Equifax reports {$0.00} credit limit while TransUnion and Experian show {$25000.00} The account is marked charged-off yet still reflects an active balance, which violates standard charge-off reporting procedures Payment history fields contain inconsistent cXXXXes ( e.g.XXXX XXXX  XXXX, and XXXX  ) with no clear status explanation Additionally, Equifax has marked the dispute as resolved consumer disagrees while also stating reinvestigation in progress, which violates FCRAs reinvestigation timelines under 15 USC XXXX ( a XXXX ( XXXX ). 

I am invoking my rights as part of the Equifax data breach settlement ( XXXX v. Equifax, XXXX XXXX 2017 ) since my personal data may have been compromised. Equifaxs ability to report any disputed data that can not be verified with original furnishers has been nullified by their breach. 

I have submitted disputes to all XXXX bureaus, and they have failed to correct or delete this unverifiable and conflicting tradeline. This is a clear pattern of willful noncompliance and negligent investigation. 

I am requesting : A full deletion of this XXXX XXXX account from all XXXX credit bureaus A written resolution report from each bureau Enforcement actions or additional oversight from CFPB if the bureausfailtocomply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX 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 2025-09-27 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am disputing collection accounts from LVNV Funding LLC and XXXX on my XXXX  report. LVNV Funding is reporting two separate accounts ( {$450.00} from XX/XX/XXXX and {$670.00} from XX/XX/XXXX ), which appear to be duplicates of the same alleged debt. XXXX is reporting a {$610.00} account ( XX/XX/XXXX ) without providing proper debt validation. These accounts have not been fully verified, and I believe they violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request validation or removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
On XX/XX/year>2025, I submitted a reinvestigation request regarding multiple disputed accounts appearing on my credit reports. In addition, I sent debt validation letters to the companies reporting these accounts. 

To date, I have not received any response or validation from the creditors or debt collectors regarding these accounts. Despite my good-faith efforts, the inaccurate and inconsistent information continues to appear on my credit reports across Experian, Equifax, and TransUnion. 

The disputed accounts include, but are not limited to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported only by TransUnion XXXX XXXX XXXX XXXX  ( reported only by Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported only by Experian ) Collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and others These accounts are being reported inconsistently or without proper validation, which is in violation of the Fair Credit Reporting Act. I am requesting the CFPBs assistance to ensure these items are properly blocked and deleted under 15 U.S.C. 1681c-2.

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 2025-09-27 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-27 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
I set up direct deposit with Venmo. I thought my money would not be available until the first of XXXX. It came in on the XXXX of XXXX. I checked my email.and was receiving message like I added apple.pay. I then received a message saying I was removed from apple pay. I have never had apple pay. I don't even own an XXXX. I have always used XXXX android. I then went to my Venmo account and noticed XXXX different payments. XXXX for XXXX and XXXX for XXXX. I immediately contacted Venmo. They said I had to wait until the charge was no longer pending and then call back and do a dispute. They also said they were suspending my account for suspicious activity. Someone had changed my number to some XXXX number. I have had the same phone number for over seven years.They informed me to send in a copy of my id and another picture of me holding my id. Which i did. The very next day the charges went through and I called them and filed a dispute. They asked me to send the id in again and take another picture with it. I did it again. I wake up today to find them denying my dispute, due to me having activity like this on my account. I have never ever purchased anything from this company. Also, I have never made XXXX purchase for XXXX XXXX times and then XXXX. I have never made payments like this on my venmo account at all. I can't pay my rent due to this happening. They closed my account. When I try to call.in I am either hung up on or put on hold and then hung up on. They have stolen my money, closed my account and won't even take my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of XXXX XXXX and my credit has been being used and fall types of fraudulent activities has been get on my credit report with information that I dont even recognize and I have no idea wat to do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Im looking to remove all fraudulent activities

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
On XX/XX/scrub> 2025, m

y Robinhood account was restricted without prior notice. I received a message that I needed to verify my identity, which I complied with by speaking to Robinhood support over the phone. I answered all identity verification questions accurately.

After that, I was instructed to upload a photo of my government-issued ID and complete a facial recognition selfie scan using Robinhoods verification software. I complied with the ID upload but declined the facial scan, citing my privacy rights and Robinhoods own privacy policy, which states : You may choose to upload a photograph of yourself, but are not required to in order to use our services.

I submitted a formal written request for manual verification without biometric scanning, including my valid ID and reference to their privacy terms. Robinhood responded by blocking further support access. I am now unable to reach a human representative or withdraw my funds. Even their in-app chat system is locked, and I have no way to escalate.

I have a case number ( Case ID : XXXX ), and a screenshot showing blocked access to chat support. My funds remain frozen, despite my good-faith effort to verify my identity and resolve the issue. 

I am requesting that Robinhood allow me to verify my identity using traditional methods ( as they already partially approved ), and allow me to access or withdraw my legally held assets without being forced to submit biometric facial data to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Credit Collection Service. They are reporting a debt on my credit report that I do not recognize. I contacted them and requested validation of the debt as allowed under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, they have failed to provide proper validation. They stated they do not have it. They are also reporting this open and showing a balance even though this debt is in collection.

Despite not providing proof that this debt is valid or that they are authorized to collect, they continue to report this account to the credit bureaus. This is a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I booked a stay at the XXXX XXXX XXXX in XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX  ) through my companys travel portal, with payment made on my personal Bank of America credit card . My booking confirmation clearly showed a total of {$1600.00}, including only a {$3.00} resort fee. Upon checkout, however, the hotel added an undisclosed mandatory urban fee of ~ {$40.00} per night, totaling {$280.00}. 

I filed a dispute with Bank of America on XX/XX/year>, well within the required 60-day timeframe, and supplied the requested documentation ( my booking confirmation and hotel folio ) on XX/XX/year>. Bank of America denied my dispute on XX/XX/year>, claiming ( 1 ) that the transaction posted for the correct amount and ( 2 ) that I had not filed within the 60-day window. Both claims are incorrect : 1 ) The correct amount was the total disclosed at booking. The hotel unilaterally added undisclosed mandatory fees, which constitutes a misrepresentation. 2 ) I submitted my dispute within 60 days ; if the matter fell outside the window by the time it was closed, that was due to Bank of Americas investigation timelin
e, not my actions.

I have attached my booking confirmation, annotated final folio, and Bank of Americas denial letter for reference.

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 monetary relief
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
I am submitting to formally dispute inaccurate information currently reported on my credit report concerning several accounts listed as late or delinquent. Upon reviewing my file, I discovered that the following accounts are reporting late payments inaccurately, which negatively impacts my creditworthiness and may be inconsistent with reporting from other credit bureaus. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXXDOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} These accounts are being reported with late payment notations that I dispute. I have consistently made payments as agreed, and my personal records, as well as information from other credit reporting agencies, do not support the late payment status as reported by your bureau. 
Moreover, if any of these accounts were subject to protections such as forbearance or payment accommodations under applicable laws the late payments should not be reported during those protected periods.

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 2025-09-27 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: ID

Complaint narrative:
I provided factual disputes several times for this account. Over three years the biggest inaccuracies is the open date is after the first day of delinquency additional the account owner has failed to prove they have a right to collect or own this account. I have screen recoded my disputes and placed Equifax on notice yet they refuse to do a reasonable reinvestagation they continue to violate my rights to a complete accurate report.

Company response to consumer: Closed with non-monetary relief