vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase reported a business credit card I personally guaranteed as delinquent and eventually charged off. I was enrolled in a hardship payment plan that I believed brought the account into good standing. However, my XXXX  report shows consecutive missed payments for over 12 months and a charge-off designation more than a year after my last payment, which appears excessive and misleading. 

Additionally, Chase stopped sending me email notifications about account status and delinquencies starting in XX/XX/XXXX. I was never informed of the charge-off and did not receive any formal notice. This has significantly damaged my personal credit despite my efforts to work with them in good faith. 

Details : - I opened this business credit card under an LLC but personally guaranteed it. 
- In XXXX, I entered into a hardship plan after falling behind. 
- I believed the plan addressed the overdue balance and resumed payments accordingly. 
- My credit reports shows missed payments from XX/XX/XXXX through XX/XX/XXXX, then a charge-off status. 
- The charge-off was not reported until over 13 months after the last payment longer than standard charge-off timelines ( usually 180 days ). 
- I received no notifications or charge-off letters from Chase. In fact, email communications from them stopped entirely in XX/XX/XXXX. 
- I only became aware of the charge-off when I checked my credit report manually. 

This prolonged negative reporting combined with poor communication and misaligned expectations from the hardship plan has severely impacted my personal credit. I am requesting an investigation into whether : 1. The charge-off reporting timeline is in compliance with regulations 2. Chases communication failures violate consumer disclosure obligations 3. The reporting is accurate and fair given the circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AR

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AR XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BILL.COM, LLC
State: VA

Complaint narrative:
In XXXX of XXXX  Bill.com was notified that I was put on XXXX XXXX orders and was asserting SCRA coverage as my card was personally backed. They did not respond to this request nor allow me to assert my protections. 

Prior to and while on orders payment demands and statements were not received. While on XXXX XXXX bill.com froze the account demanding payment which once properly notified, I did pay. Bill.com charges fees for late payment while I was covered under the SCRA which is specifically prohibited. " fees and penalties may not be charged except for bona-fide insurance '' ( per statute ). 

Since then I have notified them that if they are not going to unlock the account to close it. They have refused to close the paid in full account for over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
CFPB Complaint Inaccurate Reporting of XXXX  Account To Whom It May Concern, I am submitting this complaint to formally dispute the inaccurate and inconsistent reporting of the account listed below across all three major credit reporting agencies. 

Account Details : Creditor : XXXX  Account Number ( last four ) : XXXX Account Type : Installment Unsecured Loan Date Opened : XX/XX/XXXX ( Equifax & XXXX  ), XX/XX/XXXX ( XXXX  ) Balance : {$840.00} {$900.00} High Balance : {$2500.00} Status : Open Monthly Payment : {$58.00} Current Status : Listed as Negative in all three bureaus despite current payment status Summary of the Issue : Although this account is open, current, and showing no past due balance in any of the three credit bureaus, it continues to be reported with a negative status. All three bureaus indicate the account is " Current '' as of XX/XX/XXXX, with the most recent payment made in XXXX or XX/XX/XXXX. 

However : The negative status contradicts the actual payment history, which shows consistent payments and only a single 30-day late mark in XXXX. 

The account has no reported delinquencies in XXXX or XXXX. 

The balance has continued to decrease, showing active management of the loan.

The account was not under dispute, yet remains flagged negatively.

This contradiction violates federal regulations and harms my credit profile unjustly.

Legal Basis : FCRA 1681e ( b ) : Requires credit bureaus to maintain the maximum possible accuracy of the information they report. The negative classification despite a current status and lack of recent delinquencies is not accurate or justified.

FCRA 611 ( a ) : Entitles consumers to a reinvestigation of any item of information that is disputed as inaccurate or incomplete. If the negative status can not be properly substantiated, it must be removed.

FCRA 609 ( a ) ( 1 ) : Gives consumers the right to request documentation supporting any derogatory marks. If such documentation can not clearly justify the current negative status, the record must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
TransUnion is falsely reporting several accounts on my credit file as associated with a XXXX XXXX XXXX. These accounts are not mine, and I have submitted a full identity theft package under FCRA 605B, including my FTC Identity Theft Report, government-issued ID, and proof of address. Despite this, TransUnion has failed to delete the following fraudulent accounts : XXXX Credit Card Closed : XX/XX/year> Remark : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/year> Remark : XXXX XXXX XXXX XXXX Charge Account Closed : XX/XX/year> Remark : XXXX XXXX XXXX XXXX  Credit Card Closed : XX/XX/year> Remark : XXXX XXXX XXXX XXXX  Credit Card Closed : XX/XX/year> Remark : XXXX XXXX XXXX ( Duplicate Entry ) These accounts are being inaccurately attributed to me and are materially false. I never filed for bankruptcy related to these accounts, and the court does not report consumer data to credit bureaus. TransUnions refusal to delete these entries is a direct violation of FCRA 605B and constitutes willful noncompliance.

XXXX  has already removed the same entries after receiving identical documentation. TransUnions ongoing reporting of this false data is causing me severe harm including denials of housing and credit, emotional distress, and reputational damage and is unacceptable.

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 2025-06-25 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: OH

Complaint narrative:
Received email from chase on XX/XX/year> about a pending application. Called the number on their web site for fraud. After failing to enter a card # ( which i do not have and did not apply for ). I finally got a voice who could not answer any questions and repeated a script that had nothing to do with my problem. Claimed her name was XXXX if human she should be fired. They claim they stopped the application. I requested a copy of the recorded call and informed them i would not be liable for any charges with their institution ever. DO NOT DO BUSINESS WITH CHASE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I actually receive a couple of documentation from Equifax stating that they need proof of my new address which I had already wrote them a letter stating that I live with my grandparents since this year in XXXX, I dont have no bills coming to my grandfathers house. I also showed them a few documentations that need to be removed Especially the two hard inquiries that I precisely sent out with an FTC report XX/XX/year> Equifex had deny the right saying that the FTC report was old which they fail to investigate this. I personally told Equifax it couldnt be old because I did an FTC report back in XXXX. They denied the request and wanted more information along with the update address which I had explained to them in the letter that I sent to them that I have no bills coming to my grandfathers house,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hello, On XX/XX/XXXX, the recipient ( From XXXX, I do not know the recipient nor do I have any contact or contract with him ) was trying to blackmailing me with my personal photos and video and requested to send him {$1300.00} USD. He threaten me if I do not comply with the request, he will send the photos and videos to my friends and family. I was in a panic and I sent him $ XXXX with the transaction fee etc through PayPal ( Family and friends, as the he requested ). He was requesting the other half of the payment, but I ignored him. He, did sent all my photos and videos, to some of friends and family. 

I filed a dispute through PayPal immediately and a XXXX XXXX dispute on XX/XX/XXXX. PayPal rejected my dispute and the one with XXXX XXXX is still under review. Please let me know what I could do in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am formally requesting the immediate deletion of a specific account listed on my credit report, as it is currently involved in pending litigation and therefore inaccurate and inappropriate to report at this time. 

Let me be clear : this account is the subject of an ongoing legal dispute, and no final determination has been made regarding its validity, accuracy, or legitimacy. Because it is under litigation, any reporting of this account especially as a negative or derogatory item is not only misleading but also potentially prejudicial. It presents an incomplete and unfair picture of the situation, which is still being reviewed through the proper legal channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AZ

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 TILA US Code 1666B 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 Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), 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 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX, I moved funds from a cold wallet to my Robinhood crypto wallet, proceeded to sell that asset ( ETH ) and had around {$5400.00} in my Robinhood account. My transfer limit is that I can only withdraw to my external bank account {$5000.00} a day. I have successfully done this several times this year with the same RH account ( following the same process : sending crypto from my cold wallet to my RH crypto wallet, then selling the asset, and withdrawing to my bank account ).

This time as soon as I tried to send {$5000.00} to my bank, I got a notification on my RH app saying my account was now restricted - I can no longer withdraw funds or open new positions. My funds are frozen. I went on the support chat and requested a call, they called me and told me my account is under review, they would be asking me for documents to upload. I got an email shortly afterwards saying I needed to upload 4 bank statements from 4 different accounts I have interacted with my RH with ( to deposit funds ). It was a very confusing portal to say the least. It also said I couldn't upload a bank statement from a business account. Two of the bank statements they were requesting were from business accounts. They have never told me I could not deposit funds into my RH account with a business debit card.

Anyways, I hit submit on the documents upload and I got a message that RH would take 4 days to review my case and I would get a response by Friday, XX/XX/XXXX. That day came and by the afternoon I had not heard back and got nervous, so I opened my app and it said " account restricted- please submit the documents by XX/XX/XXXX so we can review your account ''. I was so confused as I had already submitted the documents 4 days before. So I clicked the link to submit the documents, it showed checkmarks by the statements they wanted ( however I can not click them to open them up and confirm the RH portal has them ), the only option is to click " submit ''. So I did and then I get the same notification as before, except the date has been pushed back - now they will get back to me XX/XX/XXXX.. 

I didn't hear back again and signed onto my account to try to reach customer service. I call their number, there is no option to talk to a human. Their phone number directs you to their support chat feature.. When I open the chat it does not let me start a chat to connect to an agent, it says my account is restricted, take action link. I click the link, same thing - " submit documents '' - I hi submit and it pushed the date back 4 days AGAIN. I have emailed their support@robinhood.com email and they send an automatic response that I need open a support chat. I do not have that option. 

Please help me get them to release my {$5400.00} of funds to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-25 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: NC

Complaint narrative:
I had left my phone over my friends house it was token and sent several payments to someone and cash app denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws.

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CT

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ACCOUNTS : XXXX XX/XX/XXXX - Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$890.00} INQUIRIES :XX/XX/XXXXDate : XX/XX/XXXX XXXX XX/XX/XXXXI Date : XX/XX/XXXXXX/XX/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