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 — Application denied
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Dear Robinhood Credit Card Team, I am writing to follow up on my Robinhood Credit Card application of XX/XX/year>, which was denied due to a system error preventing verification of my government-issued identification. Despite my requests, I have not been allowed to complete the verification process or reopen my application. I also had one representative tell me I called and canceled the application, which was not true. I have been informed many different scenarios that I feel was untrue as there was not one representative who could give me a solid answer but your account was denied. 

I have attached the message from the representative that told me I contacted Robinhood to close the account, which was not true and a flat out lie. [ Please note, communication with support is only through text/chat ] As previously communicated, the denial letter I received merely stated that Robinhood was unable to verify information, which is vague and insufficient under the Equal Credit Opportunity Act ( ECOA ). Additionally, I have been informed that once an account is closed or denied, I am permanently barred from reapplying. This policy has caused further harm, as it prevents me from ever obtaining the card despite the denial being due to a system error outside my control. 

I submitted all required verification documents for my application, and I have already received my credit card. However, I was subsequently informed that my information could not be verified, and my account was denied without a clear explanation. 

This is unacceptable, as I complied with all requirements and the card has already been issued in my name. I respectfully request that my account be opened and activated immediately, or that I am provided with a detailed written explanation for the denial in accordance with the Equal Credit Opportunity Act. 

I have formally requested that Robinhood : Reopen my application and allow me to complete verification Since I have not received a response, I have submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I urge Robinhood to resolve this issue promptly by reopening my application and allowing verification, or providing the required written explanation, to avoid further regulatory escalation.

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: FL

Complaint narrative:
I did not authorize these accounts, and they appear fraudulent. Please take immediate corrective action and investigate. Documentation is provided.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, a {$640.00} authorization from a hotel was placed on my Capital One checking account. My bank flagged it as fraudulent and immediately froze my account. Since then, I have been completely unable to access any of my funds. 

I have called Capital One more than five times. Each representative brushes me off and tells me I must simply wait. No one has offered any solution despite the fact that this is causing me severe financial hardship : I can not eat, I can not buy necessary medication, I can not purchase gas to get to work, and I have already missed work because of this. 

Under Regulation E ( Electronic Funds Transfer Act, 15 U.S.C. 1693 ), if a dispute can not be resolved quickly, the bank is required to issue a provisional credit within 10 business days. Capital One has refused to provide any provisional credit, has refused to reverse the {$640.00} authorization, and has refused to temporarily increase my overdraft line. 

This is no fault of my own. The disputed charge originated from the hotel, and I took immediate steps to notify Capital One. Instead of protecting me, Capital One has effectively locked me out of my own funds. 

I am requesting urgent regulatory intervention to require Capital One to : Immediately reverse the {$640.00} hold, OR Provide a provisional credit of at least {$1000.00} pending investigation, OR Extend temporary overdraft protection so I can meet basic needs. 

This is a time-sensitive, severe hardship situation, and Capital Ones refusal to act has left me completely without access to essential funds.

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: DISCOVER BANK
State: VA

Complaint narrative:
I have cards on my credit that are not mine. I have no knowledge of how these accounts ended up on my credit card. My information was leaked in a data breach and i would like these accounts removed.

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: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I applied for a new Chase XXXXXXXX XXXX XXXX. Chase approved the account, then closed it after a later review that cited my account history with Chase, including multiple fraud claims and lost or stolen card activity from a prior account. I have never had any legitimate Chase credit card or deposit account before this application. The only prior accounts were opened through identity theft. Before this closure, I reported those prior accounts to Chase as fraud. Chase investigated and confirmed they were identity-theft accounts, not mine. Despite that confirmation, Chase closed my newly approved XXXX XXXX  based on those same fraud and lost/stolen indicators as if they were my history. I received a closure or adverse action letter dated XX/XX/year>2025, that lists those reasons. I also have the Chase letter confirming the earlier accounts were fraud. In short, Chase used identity-theft activity that it already marked as fraud to close my newly approved card and to flag my internal profile. This is inaccurate and unfair. I am asking for help to correct Chases internal records, remove the identity-theft flags from my profile, and restore the account that was closed for reasons that do not belong to me. Attachments I can provide : Chase closure/adverse-action letter dated XX/XX/scrub> 2025 Chase letter confirming the earlier accounts were fraud/identity theft My identification and any identity-theft report if needed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX FCU - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST AND XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST XXXX XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XXXX XXXX I applied for a balance transfer from two accounts to Citi! Per Citi Disclosure Document, Im allowed 3 % transfer fee on balance transfers if made within the first ( 4 ) months after opening my account! Citi charged me 5 %. I immediately called this fact to their attention, and Citi requested that I email to them a copy of THEIR DICLOSURE document, so I complied with their request! On XX/XX/XXXX Citi placed confirmation letter in my account on line that I was entitled to the 3 % Transfer fee! I called several days after XXXX XXXX to ask why the Transfer fee had not been reduced and was told that it would take an additional 7 to 10 day! Today was 12 days later with no change, so I called and was told that they wouldnt change to amount of the Transatio. fee, which amounts to {$100.00}!

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 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: FL

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 : INQUIRIES : XXXX  Date : XX/XX/year> 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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXXt ( XXXX ) and the TXXXX XXXX XXXX XXXX XXXX XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXXt ( XXXX ) and the TXXXX XXXX XXXX XXXX XXXX XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: DISCOVER BANK
State: OK

Complaint narrative:
Discover is inaccurately reporting a late on the account. It is being reported to XXXX  as a late for the month of XX/XX/year> and being reported to XXXX and XXXX  as a late from XX/XX/year>.

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: NV

Complaint narrative:
I am filing this complaint against Equifax and Experian because they continue to report fraudulent accounts on my credit file, even after I submitted disputes with full supporting documentation. 

On XX/XX/XXXX, I submitted my first disputes to both bureaus, and on XX/XX/XXXX, I sent second written disputes. I included my FTC Identity Theft Report ( Report XXXX. XXXX ), a police report, my government-issued ID, and proof of address. Despite this, the following fraudulent accounts remain : XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount : {$1500.00} Fraud began XX/XX/XXXX Discovered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Account # XXXX Amount : {$1900.00} Fraud began XX/XX/XXXX Discovered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount : {$2400.00} Fraud began XX/XX/XXXX Discovered XX/XX/XXXX Additionally, a false address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX is being reported, which is not connected to me. 

Under the Fair Credit Reporting Act ( FCRA 605B & 611 ), Equifax and Experian are required to conduct a reasonable reinvestigation and block or delete fraudulent information within 30 days. Their failure to do so violates federal law and continues to cause me financial and personal harm.

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: 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: NJ

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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