vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
Acima. They don't give you a reason why for a denial. They don't send you any information in regards to that. They use algorithms and computers that make no sense because one minute you're approved and literally 5 minutes later you're denied and then you have to fill out an application every time you want to use an approval. Literally I had an approval. I used some of it and then I had to reapply every time. I wanted to use the rest of it after I was already approved for it .It makes no sense. You can't get a hold of them and their customer service representatives are over the water so they don't understand what you're saying. It's really aggravating. And no matter how many times you talk to them, they keep telling you your information doesn't match which is a bunch of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Over the past 6+ months, my mobile wallet account has had repeated unauthorized transactions, disappearing transactions, and incorrect activity logs. Many fraudulent charges appeared within minutes of legitimate purchases I made. The unauthorized transactions were often small ( {$1.00} {$15.00} ) and showed as in-person chip transactions at stores near where I had just used my card. 

Several times, these unauthorized transactions appeared in the Activity section for a short time and then completely disappeared. When I printed one statement from a computer, it showed hundreds of transactions and attempted charges, including multiple unauthorized ones. When I tried to print the same statement again, most of those transactions were missing. 

I also saw many new device login events even when I was not using a new device. Some fraudulent charges occurred immediately after I ordered a replacement card, before I physically received any card. 

I contacted the company many times between XXXX and XXXX. I repeatedly requested a fraud investigation, escalation to a supervisor, and an explanation for disappearing transactions and chip-labeled fraud. The company told me it was impossible for fraudulent chip transactions to occur and impossible for transactions to appear and disappear, even though I documented these issues. They denied my disputes and did not provide the information I requested. 

The ongoing unauthorized activity, missing funds, and the companys refusal to investigate caused significant financial and personal harm. The uncertainty around my account and the repeated losses affected my ability to pay for basic expenses and contributed to losing my job. The situation also caused severe stress and confusion that damaged my relationship with my family, who did not believe the transactions were disappearing. This strain has affected my living situation and my ability to care for my daughter. 

I am requesting a full account-level investigation, including authorization logs, device logs, and a review of all unauthorized transactions, including those that disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, American Express placed my XXXX XXXX account into a financial review status and requested supporting documents. I promptly submitted all required documents on the same day, including recent bank statements and payslips, through the channel American Express specified. Since that date, I have not received any clear update, decision, or timeline from American Express about the status of the review, even though more than XXXX month has passed. During this entire period, my XXXX XXXX has remained unusable : transactions are declined and the account is effectively frozen despite my having paid the full annual fee for this product. I have complied with all documentation requests, but American Express has kept my account in limbo with no meaningful communication or resolution, which I believe is an unreasonable delay and an unfair treatment for a paying cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Dear Sir/Madam, I am submitting this dispute to address inaccurate and incomplete information on my credit report. The accounts listed below have been reported with errors, and I request that these inaccuracies be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charge Off Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7700.00} This account is under dispute as it appears to be inaccurately reported. I kindly request a thorough review and correction as necessary, ensuring compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I was in XXXX, XXXX and used my card to pay for a small taxi fare. I inserted my card only for that taxi payment. That taxi charge never showed up on my card. 

Instead, I later found a {$900.00} charge from XXXX XXXX XXXX XXXX XXXXXXXX. I never used my card at that merchant. I locked my card immediately after seeing the charge while I was in XXXX. 

I reported the charge as unauthorized. Robinhood denied my dispute because they said my physical card was used. But the only time I used my card was for the taxi, and that small charge never posted. The {$900.00} charge is a completely different merchant and location.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CT

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Novo Platform Inc.
State: UT

Complaint narrative:
I opened an account and completed all the terms of the offer as stated, but the company will not give me the bonus or tell me why I'm not eligible for the bonus. 

-Account opened XX/XX/year> from the XXXX offer link ( term stated it had to be opened from XXXX XXXX this fulfills that term ) - {$5000.00} deposit made the same day, XX/XX/year> ( term stated a {$5000.00} had to be made within XXXX  days of account opening and that money had to be held foXXXX XXXX days after deposit ) - {$4900.00} withdrawn on XX/XX/year> ( That completed the term of holding the money for 90 days ). 
-Two debit cards purchases were made on XX/XX/year> ( term stated XXXX debit card purchases had to be made within XXXX  days of account opening so this fulfilled that term ). 

I fulfilled all of the terms as stated in the offer. I am 100 % eligible for the bonus. 

I contacted their support and asked why I had not received the bonus. After XXXX weeks the support group replied saying the XXXX XXXX says I am not eligible for the bonus. I've asked why I'm not eligible and the support group told me " I don't know why, the Accounts Team just says you're not eligible. '' This appears to be fraud on their part. I have asked them to tell me why I'm not eligible or to deposit the {$300.00} bonus sine I've met all the terms, but they have not done either one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
I had a XXXX account 3 years ago. It was cancelled. They auto debited funds from my account after the account was closed. 

I received a collection letter in XXXX for {$610.00} as the debt owed. 

Two years later with the same account a different collection agency had sent me a debt owed of XXXX. 

I requested proof of the debt as the first {$610.00} was paid. No proof has been sent nor was a final bill sent with the second amount. 

This credit agency reported that this account was from XXXX which is false. 

The original creditor is XXXX the first debt collector was XXXX XXXX XXXX  and the one trying to collect this fraudulent amount is source receivable management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
XX/XX/year>, amount {$65000.00}. This is a result of identity theft by multiple employees. Fraud reports have been filed with the FTC and The XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Zwicker & Associates is the law firm, they have provided no information. A guarantee they have provided, shows an IP address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
What happened : Bank of America administers my XXXX XXXX Account ( XXXX ) through the website XXXX. 
When I attempted to dispute fraudulent XXXX debit card transactions, the XXXX portal and all customer-service representatives informed me that disputes can only be submitted in writing by completing a specific form and sending it by mail or fax. No option is provided to dispute fraudulent charges by telephone or electronically through the portal.

This policy violates federal law under the Electronic Fund Transfer Act ( Regulation E ), specifically 12 CFR 1005.11 ( b ), which states that financial institutions must permit consumers to provide notice of an error orally or in writing. Bank of America is unlawfully restricting XXXX debit card error disputes to written form only, denying me ( and all other XXXX customers ) the oral-dispute rights guaranteed by Regulation E.

This restriction also creates an unnecessary barrier, especially for individuals with disabilities who may have difficulty completing, printing, or mailing/faxing paper forms.

Dates the issue started : Ongoing policy ; I discovered the restriction on XXXX XX/XX/year>. 

I have already contacted Bank of America multiple times and was told no telephone or online dispute option exists for XXXX debit card fraud. This is a clear and ongoing violation of federal law. ( they claim to record the phone call - XXXX was the BOA representative and the call was on XXXX XX/XX/XXXX @ XXXX Thank you for enforcing Regulation E and requiring Bank of America to comply.

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 2025-12-03 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: CT

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
I am attempting to resolve an account with Tenaglia & Hunt P.A, Account Number : XXXX. I have contacted the creditor repeatedly for approximately two weeks by phone and email and have not received any response. 

This matter is urgent because it is affecting my employment background check. I am fully willing to make payments and requested a payment plan. Due to the creditors failure to respond, I am unable to take the steps needed to resolve the account. 

I have now sent a formal certified letter requesting a response within 10 days. I am requesting CFPB assistance to obtain a response so I can resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-03 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: MI

Complaint narrative:
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 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

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 2025-12-03 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 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: PA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-12-03 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 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: SC

Complaint narrative:
As a consumer, I am requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter.

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I receive a letter from the credit report statement on XX/XX/year>, stating that the bankruptcy on my credit report is accurate. On XX/XX/year>. I contacted the bankruptcy court to ask them for this information and they said they never provided it to the credit bureau so I would like to know how did you guys come across this information if it was never released by the bankruptcy court in the credit report you have listed. And if it was, can you guys provide proof of the accurate information. From the bankruptcy court.

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, Eastern Account Systems , Inc, XXXX XXXX XXXX, XXXX, CT XXXX reported to the credit reporting agencies that I owed {$570.00} to XXXX XXXX and was delinquent paying. I went to the XXXX XXXX XXXX XXXX and requested help from XXXX. XXXX XXXX. He issued a subpoena and conducted a XXXX check. A XXXX XXXX XXXX was the correct account holder ; Eastern Account made a significant error. I requested on XX/XX/year> confirmation of Eastern Systems error and that they confirm the error with the three reporting agencies and my request has been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation