vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
On XX/XX/year>, I discovered several unauthorized XXXX transactions had withdrawn a total of {$930.00} from my SoFi Bank accountin increments of {$100.00} and {$200.00}, and finally {$30.00}. The hacker executed these transactions using XXXX, with the final {$30.00} taken just as I caught on and reported the activity. SoFi/XXXX notified me that this last {$30.00} would be refunded within a few days, but it was never returned. When my account was closed, SoFi sent me a check for just {$1.00}. 
Because the prior {$900.00} ( in {$100.00} and {$200.00} increments ) was already withdrawn before I realized my account was being hacked, those transactions could not be reversed. In total, my unrecovered loss is {$930.00}. 
My personal device is a XXXX XXXX XXXX XXXX XXXXXXXX have never owned or used an XXXX. I provided SoFi with clear login history ( screenshots attached ) showing multiple unauthorized access attempts from an XXXX. I also received notice from XXXX  that my Social Security Number and date of birth had been compromised in a data breach. In addition, I provided evidence of suspicious/unauthorizedXXXX  charges and messages related to the same time period. 
Despite my XXXX and limited resources, I took it upon myself to gather and organize all this evidence, fully investigating my own case, since SoFis process was dismissive and insufficient. My own research provided proof that my account was compromised, but SoFi consistently denied my claim, citing no error found, and closed my account, referencing a Deposit Agreement violation. I have never personally made a deposit into my Sofi checking acct. I rely solely on direct deposits from the SSA. I was provided no meaningful explanation, and my evidence was not seriously considered. I strongly feel SoFi had already decided my claim would be denied before I submitted my supporting information. 
I am now unable to pay my basic living expenses and anticipate about {$100.00} in additional late fees and reconnection charges due to this hardship. 
I request : Immediate reimbursement of my {$930.00} in stolen funds.

Reimbursement for any past or future late charges and reconnection fees ( about {$100.00} anticipated ). 
A clear, detailed explanation for the denial, investigation process, and account closure. 
An apology for the hardship and stress I h

ave endured due to SoFis actions. * Some attached emails reflect my frustration and distress. I apolo gize for any strong languageI was under extreme stress and financial hardship as I attempted to resolve this situation. *

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 when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
* * Subject : * * Formal Complaint Regarding Mishandled Fraud Investigation To Whom It May Concern, I am writing to lodge a serious complaint regarding the mishandling of my recent transaction by your fraud department. A perfectly legitimate local transactiona simple XXXX order placed in my own areawas wrongfully blocked as fraudulent. To make matters worse, the analyst I spoke with not only failed to resolve the issue in a professional manner, but actually shifted the blame onto me, as if my entirely valid purchase was somehow suspicious. 

Blocking a straightforward transaction of this nature is both inconvenient and unacceptable. More troubling, however, is the dismissive manner in which my concerns were treated, and the assumption that I was at fault for making an everyday purchase. Being restricted from using my own funds for valid purposes is bad enough, but to then be blamed by XXXX of your representatives compounds the frustration and erodes trust in Barclays ability to serve its customers properly. 

I expect the following : - A formal acknowledgment and apology for the inappropriate handling of this matter. 
- A review and correction of the fraud detection process that wrongfully flagged this transaction. 
- Immediate assurance that I will not be unjustly restricted from making normal purchases within my own area moving forward. 

Barclays should understand that preventing genuine fraud requires balance, judgment, and respect. What I experienced was neither cautious nor professionalit was careless and insulting. I urge you to treat this matter with the seriousness and accountability it deserves. 

Sincerely, 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 2025-09-27 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:
Complaint Regarding Inaccurate Credit Reporting XXXX XXXX XXXX Account XXXX To Whom It May Concern : I am filing a formal complaint regarding inaccurate and unverifiable reporting of the following account on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$220.00} Credit Bureau : Equifax XXXX TransUnion This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results. 
XXXX. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened a claim with chase bank in the amount of XXXX $ for funds that were sent to my checking account from XXXX that I did not send over .. my cashapp account was compromised, I was told by chase bank that I would receive those funds within 3 days which wouldve been XX/XX/XXXX. I didnt receive those funds, I called on XX/XX/XXXX and asked what happened and they said the funds werent sent back to the merchant so they needed to send the funds again and it would take another 3-5 business days I called again on the XXXX I gave it some extra time just to see what happened, still nothing at all .. well on the XXXX I spoke with a supervisor named XXXX he told me 3-5 business days and the money would 100 % be on there well 5 days later and its not on there still and Im being told different things.. I called today XX/XX/XXXX and spoke with a representative who told me I should see the funds by Tuesday of next week .. and then I called to double check with a supervisor about 20 minutes later and she told me it could take 45 days .. Im frustrated and feel as tho the matter isnt being taken seriously or handled properly, this missing money caused a financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I have requested multiple times for Experian and Equifax to remove fraud accounts. Experian and Equifax requests extra documentation but their online support system has never worked. For over 6 months of me trying. Therefore Experian and Transunion are not abiding with allowing me to submit the proper ID documentation. 
Then They still have not removed or finished investigation which is clearly past the 30 day mark according to the law. 

This is a clear violation of the law. 
Notice of Dispute and Demand for Deletion This letter serves as my formal dispute of the account listed above, which is being inaccurately reported by your bureau in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 ( c ) ( 2 ).

I have already filed identity theft reports with both the FTC and the CFPB, and I demand immediate removal of this fraudulent, derogatory account. Under 1681 ( c ) ( 2 ), credit reporting agencies are legally required to block and delete information that a consumer identifies as the result of identity theft, upon receipt of an identity theft report. 
The following account must be removed in its entirety : Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Status : Collection / Charge-Off Balance : {$20000.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX Remarks : Charged off as bad debt | Profit and loss write-off Creditor : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
I am being contacted nearly a full year after returning a rental vehicle from XXXX, with a claim that the vehicle was damaged during my rental period. This is the first Ive heard of any such incident. 

Lack of Due Diligence and Evidence : No documentation or evidence has been provided to support this claim. I have not received before/after photos, an inspection report, or even the make and model of the alleged damaged vehicle. 

Delayed and Questionable Accusation : Given the substantial time that has passed, it is entirely possible the vehicle has been rented multiple times since my return. This delayed accusation, combined with the complete lack of substantiating evidence, is questionable and borders on predatory practice. 

Unfair Billing : I find it alarming and disturbing that XXXX would attempt to charge me now without any prior communication or substantiation. Their process lacks transparency and due diligence, raising serious concerns about unfair billing practices.

Dispute of Debt : I categorically deny any involvement in or responsibility for damages. I returned the rental vehicle in the same condition in which I received it. The immediate inclusion of
a debt collector ( Viking Client Services LLC ) for a debt that was never properly validated or communicated to me further complicates this matter and is a clear violation of fair practice. 

Desired Resolution : I request that this fraudulent or unfounded claim be dismissed in full. 

I also formally request that XXXX XXXX XXXXXXXX and Viking Client Services LLC immediately cease all collection activity and stop contacting me unless and until they can provide credible, timely, and conclusive evidence of my liability, including : The original signed Pre-Rental Inspection Report. 

The Post-Rental Inspection Report, signed by a XXXX agent at the time of return, noting the alleged damage. 

Time-stamped photos or video proving the damage occurred upon my return and not during a subsequent rental period. 

Failure to provide this comprehensive validation within 30 days must result in the permanent termination of all collection efforts, and this account must be reported as disputed if listed on any credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid my Lowe 's ( Synchrony ) Credit Card balance in full and I was still billed an interest charge fee. 

Paid in full on XX/XX/year> Received XXXX for {$24.00} ( Interest Charge ) on XX/XX/year> Bill is due on XX/XX/year>. 
Why am I being charged interests on XXXX 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 monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I want to be absolutely clear : this complaint is intentional and urgent. Multiple items on my credit report contain inaccuracies that can not be verified as accurate. These errors are causing ongoing, material harm to my credit score and personal well-being and must be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was informed by the credit bureaus that they do not delete inquiries and that I have to contact the merchants directly. I contacted Wells Fargo, XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and nobody was able to help me each and everyone of them hung up on me.

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 2025-09-26 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: TX

Complaint narrative:
I respectfully dispute entries connected with accounts I never created. Please conduct a meticulous investigation and delete them. Supporting materials are provided.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After mailing in a check for {$4100.00}, I found out Citi ( through XXXX ) had credited my account for a payment of {$41.00}. This also happened two months ago!

On their first error, the customer service person politely credited the interest charge, and I figured it was no big deal. Since I pay over the minimum due each month and mail the payment in early, I was shocked when it happened again!

This time I was politely told their 'readers ' only credit a 'minimum amount ' when the check is not readable and that they can only allow one interest credit per year.

I am not going to set up automatic payments for this account since there are too many errors from vendors. If this is Citi 's attempt to push autopay to reduce their costs, it is very shortsighted in an extremely competitive credit card market.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am filing a formal complaint against American Express National Bank for their failure to provide a replacement credit card and for their subsequent unresponsive and misleading customer service. 

Here is a timeline of the events : XX/XX/year> : I contacted American Express to request a replacement for my damaged credit card. I was informed that a new card would be shipped and was given an expected delivery date of XX/XX/year>. 

XX/XX/XXXX - XXXX, XX/XX/XXXX: The expected delivery date passed, and I have not received the card. Crucially, the American Express mobile app and website clearly show that the replacement card has not even been produced yet. 

XX/XX/XXXX - XXXX, XX/XX/XXXX: Over this period, I have attempted to contact American Express customer service more than 10 times via both online chat and phone calls to get an accurate status update.

On every single interaction, I was given misleading information. Customer service representatives repeatedly claimed the delay was with the shipping carrier ( DHL ), which is impossible as the American Express system itself confirms the card has not been manufactured.

My requests for accurate information were met with repetitive, templated messages. The representatives refused to provide any genuine support or investigate the actual cause of the delay. 

September 26th-27th, 2025 : After multiple failed attempts to get a straight answer, I specifically requested to speak with a manager to escalate the issue and file a formal complaint directly with American Express . The customer service representative refused this request, would not allow me to speak with a supervisor, and refused to log a formal complaint on my behalf. They provided no path for resolution and refused to arrange a follow-up call.

The core issues of this complaint are : Failure to Fulfill Service : American Express has failed to provide a promised replacement card in a timely manner.

Misleading Information : Their customer service has repeatedly provided verifiably false information regarding the card 's status.

Systemic Customer Service Failure : There is a clear inability or refusal to provide meaningful support, investigate issues, or follow standard escalation procedures, such as allowing a customer to speak with a manager or file a complaint.

I have paid my annual fee for this card, which entitles me to a certain level of service and, most fundamentally, a working card. American Express has taken my payment but is failing to hold up their end of the agreement, leaving me without the ability to use the services I have paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
Im being contacted by CBS Collections about a debt that doesnt belong to me. I sent a written debt validation request on XX/XX/year>, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). However, they havent provided any validation or documentation proving that I owe this debt. Despite this, theyre still trying to collect and are reporting the account to the credit bureaus. This is a violation of my rights under the FDCPA, and the continued reporting of an unvalidated debt violates the Fair Credit Reporting Act ( FCRA ).

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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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