vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. Here is a list of inaccurate, unverifiable, and unauthorized information that must
be investigated and resolved : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$530.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

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 2025-11-25 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: FL

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 2025-11-25 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
In reference to original complaint XXXX The company response did not reflect the original complaint and the case should have not been closed. The company failed to recognize the repeated submissions, the agent instructions and ALL the documentation that has been submitted as per requested. The have ignored the fair and legal XXXX XXXX  of XXXX % and are unlawfully collecting 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made multiple purchases with a merchant that required identity verification in order to withdraw winnings. My account was fully verified, yet when I attempted to withdraw my winnings, the merchant denied the withdrawal without explanation. They kept all the money I deposited and refused to provide the service I paid for ( the ability to redeem winnings after verification ). 

The company permanently closed my account without providing any reason. I repeatedly asked for an explanation regarding the account closure and why my verified withdrawal was denied. The merchant refuses to provide any details. I contacted customer support multiple times and spoke with representatives, supervisors, and managers, and they all refused to provide information or assist. 

Because they refused to provide the service I paid for or issue a refund, I filed disputes with my bank. The bank denied my disputes as gambling transactions, but this transaction involved the purchase of digital items and a promised withdrawal service that was never provided. The merchant kept my money without performing the service required to redeem it. 

I am requesting assistance because the company kept all of my funds, refused to provide the required withdrawal service, refuses to provide any explanation for account closure, and refuses to issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
I am writing to file a complaint regarding several inaccuracies that are currently appearing on my credit report. These errors are affecting my credit profile, and I am requesting a full review and correction. 

Incorrect Personal Information The following addresses are being reported under my profile, but I have never lived at these locations : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove these incorrect addresses. 

Incorrect Accounts Reporting The following accounts are showing Charge Off, Late Payment, or Collection status. I am requesting verification and correction because the information is inaccurate or I do not recognize the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX  * Late Payment ( I have never made a late payment ; please correct the payment history ) XXXX  XXXXXXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection XXXX  XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX  XXXX XXXX XXXX Collection If these accounts can not be verified with proper documentation, I am requesting that they be removed from my credit report. 

Unauthorized Inquiries The following inquiries were not authorized by me : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these inquiries. 

Requested Action I am requesting : Removal of incorrect addresses Removal of accounts that can not be verified Correction of inaccurate payment history Removal of unauthorized inquiries Attached Documents Copy of my ID Proof of my current address Highlighted credit report pages Thank you for your time and assistance. I am asking for these corrections to be completed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
FORMAL APPEAL : UNAUTHORIZED PAYPAL XXXX GIFTS CHARGES Case ID : XXXX To : PayPal XXXX Support / Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, MO XXXX Date XXXX XX/XX/year> Subject : Urgent Appeal of Denied Fraud Claim Dear PayPal Executive Support Team, I am submitting a formal appeal of your denial of my prior fraud claim ( Case ID : XXXX ). The prior decision incorrectly sided with the seller, PayPal Digital Gifts, despite overwhelming evidence that these transactions were unauthorized. 
Summary of Unauthorized Transactions : - {$200.00}, Transaction ID XXXX, delivered to XXXX {$400.00}, Transaction ID XXXX, delivered to XXXX {$300.00}, Transaction ID XXXX, delivered to XXXX XXXX : {$900.00} - none of these were authorized by me. 
Key Points : - Multiple PayPal approval texts froze my phone ; one accidental tap was misinterpreted as authorization.- Fraudster accessed my account and purchased gift cards at other merchants totaling hundreds of dollars.- I immediately attempted to change my password and declined additional charges, preventing further loss.- Only authorized account information : - Addresses : XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX - Email : XXXX - Phones : XXXX, XXXX Requested Actions : XXXX. Full reimbursement of {$900.00} XXXX. Executive-level re-investigation XXXX. Complete logs of account activity, IPs, and temporary unknown addresses XXXX. Confirm that my account is fully secured I request a written response within XXXX business days. If unresolved, I will escalate to FTC, the Missouri Attorney General, and the BBB. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: KY

Complaint narrative:
XX/XX/year> They had closed my account but my money still got deposited into it but they wont send it back or send it to me like I asked they then unlocked my account and then locked it back within 2 seconds and saying they cant give me my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX Phone : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau Urgent Complaint Account Closure Causing Immediate Financial Hardship ( Capital One ) Dear CFPB, I am filing an urgent complaint regarding Capital One. After XXXX years as a customer with no prior issues, Capital One abruptly restricted and then fully closed my checking account without warning or explanation. 

I am 4 months pregnant, and this sudden closure has left me with no access to my money, including approximately {$5000.00} in funds that Capital One has not released to me. 

Because all my bills were connected to this account, I am now facing : Possible late rent Late car payments Missed insurance payments Missed credit card payments Inability to purchase essential items and pregnancy-related needs Capital Ones actions have placed me in serious financial and personal hardship, and I urgently need assistance. 

I am requesting : 1. Immediate release of my remaining balance 2. A clear explanation for the account closure 3. Assurance that this closure will not negatively affect my banking record or access to essential services Thank you for your assistance. 

Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My PayPal Cashback Credit Card issued by Synchrony Bank was opened, mailed to me as a physical card, and fully activated. I used the card responsibly for a short period and immediately paid my balance in full. 

Synchrony Bank then closed my card without my request and provided only a vague explanation of risk, without offering any specific or meaningful reason. Under ECOA ( Regulation B ) and FCRA, I am entitled to a clear and specific adverse action explanation. A single word risk does not meet the legal standard, and I did not receive a proper adverse action notice identifying the credit bureau used or my rights to dispute. 

Before this card, I previously had a Synchrony account included in a bankruptcy caused by XXXX XXXX. Before that bankruptcy, I never had any late payments with Synchrony. The bankruptcy was a last resort due to a natural disaster, not irresponsible behavior. 

It has now been XXXX years since that event, and during this time I have consistently demonstrated responsible financial behavior. My credit reports show XXXX late payments on all accounts for the last XXXX years. I have rebuilt my credit more successfully than many consumers who experienced similar hardships. 

Despite this, Synchrony closed my newly issued credit card even though I paid the balance in full and showed perfect payment behavior. This action harms my credit rebuilding progress unfairly and creates an inaccurate and misleading negative impact on my credit profile.

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 2025-11-25 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681 c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-11-25 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: HI

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-25 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: VA

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Chime Financial Inc
State: AR

Complaint narrative:
I am filing a complaint against Chime regarding multiple unauthorized transactions that I disputed, and Chime has repeatedly denied XXXX of the disputes without providing a clear explanation. 

I have XXXX separate dispute claims : Claim # XXXX Approved by Chime Claim ID : XXXX Date Reported : XX/XX/year> Amount : {$5900.00} Chime investigated this claim and sent me a written letter stating an error occurred. They issued a provisional credit and later made it permanent. This clearly shows there was unauthorized activity on my account. 

Claim # XXXX Wrongfully Denied by Chime ( XXXX Times ) Claim ID : XXXX Date Reported : XX/XX/year> Amount : {$5500.00} This second claim involves additional unauthorized transactions that were not included in the first dispute. These transactions are part of the same larger fraud incident that affected my account. 

Even though the second set of transactions is more serious, Chime has denied this second dispute XXXX times. Their denial letters provide no detailed explanation, and they contradict their own finding from the first dispute where they already determined my account was compromised. 

Chime has not : Explained why Claim # XXXX is considered authorized Provided any evidence supporting their refusal Connected the fact that they already admitted fraud occurred in Claim # XXXX Performed a reasonable or consistent investigation This has caused severe financial hardship for me because the disputed amount is large, and I rely on this money for living expenses. 

I am requesting that the CFPB require Chime to : 1. Reopen Claim # XXXX 2. Properly review the unauthorized charges 3. Provide a clear explanation and documentation 4. Issue the appropriate credit for the unauthorized transactions Chimes inconsistent handling of my disputes and repeated denials without adequate justification violates my rights under Regulation E, which requires a fair, timely, and complete investigation.

I need help resolving this matter because customer service and the standard dispute process have failed.

Company response to consumer: Closed with explanation