vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/year> - I received a call - alledgedly from Chase - to inform me that a new creadit card application had been received, The were suspicious because it can from XXXXXXXX XXXX and I live in XXXX  They said the submitter had all of my information, such as XXXX, XXXX, etc. ; and that this meant my credit information is now publicly available. I informed them that I did not submit any applications. They did not ask me any sesitive question, but they also did not do anything to verify who they were talking to. 

The lady said sho would go in an cancel the credit car application, but later came back and said she was unable to cancel it as it had already gone forward and that it needed to go to a : higher authority. '' She then transferred me to an alledged XXXX agent, who asked the last 4 of my SSN, and went on at great lenght about my peronal information having been exposed. He also said he was looking at my credit report, and that several of my card had " red matks '' to indicate a problem. He was able to specifically - and accurately - cite one ( XXXXXXXX XXXX XXXXXXXX ) as having a late payment. He also said I have XXXX XXXXXXXX XXXX XXXX- one of which was applied for a month ago. This was inaccurate ; I have one, but did not apply for another. He told me he would cancel the XXXX XXXX application and the fraudulent Chase card. 

He also tld me that, per an SCRA law, several of my cards were charding higher interest rates than allowed by law. 

He then started asking ibformation ( e.g., expirtation dates and last four digits ) about my other credit cards. I told him I was traveling and did not have them with me. He asked when I would be home so he could call again, and I told him on XXXX ( XX/XX/year> ). At which time I will NOT speak to him, if he calls. 

The number the first prrson called from came up as Chase, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I am filing this complaint because Equifax has willfully and negligently failed to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) regarding fraudulent accounts on my credit report. Despite my prior disputes and submission of an FTC Identity Theft Report, valid identification, and supporting documents, they have refused to properly investigate or remove identity theft accounts. This is a direct violation of FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ) and FCRA 605B ( failure to block and delete fraudulent information ). Their continued reporting of these accounts has caused ongoing damage to my credit, financial stability, and reputation. I demand immediate deletion of all identity theft accounts listed in my disputes. I am requesting that the CFPB order Equifax to fully comply with federal law, delete these fraudulent accounts without further delay, and provide written confirmation. Failure to act should also subject them to additional enforcement and penalties for willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: WV

Complaint narrative:
My Cash App account was closed without explanation. Every time I attempt to open a new account, it is automatically closed shortly after, even though I provide accurate identifying information. I have contacted Cash App customer support by phone and email multiple times, but they refuse to provide any reason for the closures or guidance on how to resolve the issue. 

This has left me unable to use Cash App for receiving money from family and friends, which is important for supporting my children and covering basic needs. Because Cash App will not explain the reason for the closure, I can not fix the problem or appeal their decision. 

I am concerned that my information may have been incorrectly flagged, placed on a blacklist, or reported inaccurately to XXXX  or XXXX XXXX XXXX, causing ongoing denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/2025, I lost my purse, which contained my SoFi debit card. On XX/XX/2025, unauthorized charges began appearing on my account. These charges were not made or authorized by me. I immediately disputed the transactions with SoFi and provided evidence, including statements showing the charges were unrecognized and occurred after the card was lost. Despite my report, SoFi denied my claim and did not refund the unauthorized transactions. The charges were unorganized, repeated, and clearly not consistent with my spending history. I have continued to experience unauthorized attempts and provided documentation of these incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi credit card haven't been used for almost a year and suddenly has a fradulent transaction totaling {$1400.00} ( made on XX/XX/year> ). I disputed this with Citibank but they rejected my disputes saying the card was in my possession. I asked Citibank to reopen the dispute because this is definitely a fradulent transaction and someone else could deplicate the card and made the transaction. They refuse to reopen the investigation and ask me to pay the fradulent amount {$1400.00} plus fees and interests. This is a very large amount to me and negatively affects my living and mental health a lot.

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 2025-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I am formally notifying Robinhood of unauthorized access to my brokerage account, reported on XX/XX/XXXX, which resulted in a negative balance and subsequent account closure. 

The breach involved an attempt to transfer funds from my personal checking account into my brokerage account and then to an external financial institution. 
Despite timely reporting, Robinhood has taken no action or provided any response, leaving me exposed to financial harm caused solely by this unauthorized activity. 

Please note, the only response I received was that the fraud charges are valid. 
I am writing regarding the charges applied to my account. Simply stating that the charges are authorized does not satisfy my inquiry. Under applicable consumer protection and financial regulations, I am entitled to a full explanation and documentation supporting these charges. 

Please provide detailed evidence, including any agreements, authorizations, or supporting records, demonstrating that these charges are valid and lawful. 

I demand immediate resolution, including : Correction of the negative balance and restoration of my account, or equivalent remediation. 

A written explanation of steps Robinhood will take to secure my account and prevent further unauthorized access.

Confirmation of receipt of this notice and a timeline for resolution.

Failure to address this matter promptly will leave me no choice but to pursue all available legal remedies, including regulatory complaints and civil action for damages.

This notice is sent in good faith to allow Robinhood an opportunity to resolve this matter before legal escalation.

Attached you will find the email correspondence proving that regardless of my efforts, I was not given any type of response to this timely concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing bank errors in billing and reporting that are unfairly damaging my credit profile. Under the Truth in Lending Act ( 15 U.S.C. XXXX ( b ) ), creditors must accurately record payments and credits. However, my payments were not properly applied, reported amounts contain calculation errors, and I was not provided the required XXXXday notice before payment due dates. As such, any late payment marks are invalid. 

These inaccuracies constitute a violation of federal law and are causing significant harm to my credit standing.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate reporting of a late payment for XXXX on a XXXX XXXX Bank XXXX account. I have never been late on this account, and I did not consent to this information being reported. I submitted multiple dispute letters directly to the creditor and to the credit reporting agencies, but they have refused to correct the error. The alleged late payment also coincided with the XXXX XXXX fires, a force majeure event outside of my control, which should not legally or contractually be considered a default. This false reporting violates the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ), XXXX, and XXXX ( b ), which require furnishers to report accurate information and credit bureaus to maintain maximum possible accuracy. Despite my repeated disputes, the account continues to show late, causing harm to my creditworthiness and financial standing. I also never received my refund amount of {$480.00}.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccurate reporting of a late payment for XXXX on a XXXX XXXX Bank XXXX account. I have never been late on this account, and I did not consent to this information being reported. I submitted multiple dispute letters directly to the creditor and to the credit reporting agencies, but they have refused to correct the error. The alleged late payment also coincided with the XXXX XXXX fires, a force majeure event outside of my control, which should not legally or contractually be considered a default. This false reporting violates the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ), XXXX, and XXXX ( b ), which require furnishers to report accurate information and credit bureaus to maintain maximum possible accuracy. Despite my repeated disputes, the account continues to show late, causing harm to my creditworthiness and financial standing. I also never received my refund amount of {$480.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: OH

Complaint narrative:
I have sent dispute letters since XXXX asking for verification of the charge/ collection account for XXXX XXXX and XXXX XXXX XXXX and the amount stated. I have not received any responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AL

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 XXXX 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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I am disputing a balance of {$630.00} that XXXX / XXXX is trying to collect. This balance does not belong to me because I moved out of the residence on XX/XX/year>2024. After that date, I no longer lived at the service address and I did not receive or use electricity at that location. 

Despite this, the company continued billing me as if I still lived there. This is unfair and inaccurate reporting. The debt that is now being collected is for service after I had already moved out. I should not be held responsible for charges at an address where I no longer lived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The company allows reward points to be redeemed against travel expenses. 

I called in XXXX ( XXXX ) to ask if a specific vendor would qualify for this scheme ( XXXX XXXX  ). I was told that if it was travel then it would qualify. 

I purchased a ticket from XXXX XXXX  on the XXXX of XXXX. When I tried to redeem the points it did not come up as an option. I called again on the XXXX of XXXX ( XXXX # XXXX ). 

I called again today. I was told an email was sent 'refusing my request ' and that it had been closed. 

I pointed out that the charge was travel ( it's a flight ) and that I had checked prior to booking. I was told that there was nothing they could do. I asked for a name and an address to appeal. I was told I could only lodge a complaint on the phone and again that thee case had been closed and my 'request ' denied. 

I feel the company misled me by saying the purchase would qualify and additionally have not handle my case fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
1 ) XXXX XXXX-ACC # XXXXOPENED XXXX {$11000.00} 2 ) XXXX XXXX -ACC # XXXXOPENED XX/XX/year> - {$5300.00} 3 ) XXXX-ACC # XXXXOPENED XXXX {$830.00} 4 ) XXXX XXXX XXXXACC # XXXX {$600.00} 4 ) INCORRECT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) INCORRECT ADDRESSES=XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA

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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had a XXXX XXXX credit card with XXXX Bank. At the time, my balance was about {$59.00}, and I intended to pay it. However, when I attempted to make the payment, the account suddenly showed a balance of over {$600.00}. 

I dispute this balance because I never agreed to or authorized any charges that would increase the account from {$59.00} to over {$600.00}. I was ready to pay the original {$59.00} balance, but the company failed to process this correctly and instead reported a much higher amount. 

Now they have charged off the account and sold it to Midland Credit Management. This account is being reported inaccurately, and I should not be responsible for paying hundreds of dollars beyond the original balance that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief