vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I requested validation of this account. I received an update on my credit report without validation or written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: LA

Complaint narrative:
As of XXXX my whole robinhood investment account has been restricted and I can't buy or trade stocks. About a month ago my crypto account was restricted from sending or receiving and robinhood support would not give me a straight answer for why this happened. Also I asked if they could restrict anything else and they wouldn't answer my question. So my account is completely restricted for no reason. I want this dealt with and I will open a lawsuit if there's no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
I FOUND INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting a complaint regarding interest charges assessed on my Chase Sapphire Reserve credit card account over the XXXX  period. 

After reviewing my statements, I identified that Chase charged a total of approximately {$5000.00} in interest during this period. These charges were not evenly distributed over time and were heavily concentrated in the most recent years, as outlined below : XXXX XXXX : approximately {$180.00} XXXX XXXX : approximately {$860.00} * XXXX : approximately {$260.00} XXXX XXXX : approximately {$1400.00} XXXX XXXXXXXX : approximately {$2100.00} The escalation of interest charges in XXXX and XXXX coincides with a period during which I increased my usage of the Chase Sapphire Reserve as my primary credit card, beginning in late XXXX. During this time, the card was used extensively for travel, dining, and daily expenses, generating meaningful spend and long-term value for Chase. 

Importantly, there was never any liquidity issue or inability to pay on my part. I consistently had more than sufficient funds available to pay my credit card balance in full at all times. The interest charges accrued as a result of my account being set to auto-pay only the minimum payment a configuration that I did not knowingly or intentionally select and did not appreciate would result in such a significant accumulation of interest over time. 

I am disappointed by this outcome, particularly because : * The cumulative cost and trajectory of interest charges were not clear or apparent to me as they were building * There were no effective alerts or safeguards prompting a reassessment as balances and spending increased * The structure and presentation of payment options did not sufficiently highlight the long-term cost implications in a way that would reasonably prevent this situation When I contacted Chase to request a review and goodwill consideration, my requests were declined without a substantive review, and I was advised that no meaningful resolution could be provided by phone.

I am respectfully requesting that Chase : * Conduct a full review of the interest charges assessed on my account from XXXX through XXXXXXXX XXXX Provide a refund or goodwill credit for interest charged during this period, particularly where the charges escalated materially in recent years * Improve disclosures, alerts, and customer safeguards to ensure customers clearly understand the cost and progression of interest charges before they become significant I believe this request is reasonable given my long-standing relationship with Chase, my use of this card as my primary payment method, and the fact that these charges resulted from an unintended payment configuration rather than any inability or unwillingness to pay. 

I appreciate the CFPBs assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint regarding PayPals improper handling of fraudulent activity on my account and the resulting inaccurate credit reporting.

In XXXX, XXXX  my PayPal account was compromised by an unknown third party. Without my authorization, the individual gained access to my account, changed my contact credentials, and initiated multiple unauthorized withdrawals from my linked checking account by creating and using a fraudulent electronic card. 

Upon discovery, I immediately contacted my bank and initiated a formal fraud investigation. My bank completed its review and formally determined that the transactions were fraudulent, returning the funds and issuing a new account number. This determination was based on transaction data and access evidence confirming unauthorized activity. 

Despite this, PayPal denied my fraud claim without providing any supporting documentation, investigative findings, or explanation. PayPal has not produced access logs, IP data, or any evidence to refute my banks conclusion or to substantiate its claim that the transactions were authorized. 

As a direct result of PayPals refusal to correct this error, PayPal reported the disputed balance to credit reporting agencies. This has caused significant consumer harm, including : A substantial decrease in my credit score Reduction of credit limits by multiple creditors Closure of certain credit accounts These adverse credit actions are ongoing and directly tied to PayPals inaccurate reporting of a disputed, fraud-related balance.

I am requesting that PayPal : Reverse its fraud determination Correct the account balance Remove all related negative credit reporting Provide documentation supporting any investigative conclusions PayPals actions reflect a failure to properly investigate fraud, an unfair billing practice, and inaccurate credit reporting that has caused material financial harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 XXXX you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-25 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I am filing this complaint due to MOHELAs failure to correct inaccurate account information and an incorrect monthly payment amount, despite repeated notifications and MOHELAs acknowledgement that the error was on their end, resulting in ongoing financial harm and jeopardizing a time-sensitive major purchase. 

My account has NO past-due balance ( {$780.00} ), and my monthly payment amount is incorrect. Any indication otherwise is inaccurate. 

Timeline of Events : XX/XX/XXXX : I made my initial phone call to MOHELA regarding incorrect account information and an incorrect monthly payment amount. During this call, I was advised that the error was on MOHELAs end and that it would be corrected. 
XXXX : I made a follow-up phone call due to no correction being made. 
XX/XX/XXXX : I sent a message through my MOHELA account reiterating the incorrect account status and requesting correction of the monthly payment amount. 
XX/XX/XXXX : I was informed that my request would be expedited. 
XX/XX/XXXX : I was advised that the expedited request submitted on XX/XX/XXXX was entered incorrectly by MOHELA, causing further delay. 
I was then advised the issue would not be corrected until XXXX, despite the urgency and financial impact. 

Despite acknowledging the errors were theirs, MOHELA has failed to timely correct the inaccurate account status and monthly payment amount, or provide written confirmation of my correct account information. 


The inaccurate account status and incorrect monthly payment amount being maintained and/or reported by MOHELA has caused financial harm and is jeopardizing a major purchase with strict deadlines. MOHELA has been aware of this harm since XX/XX/XXXX, yet failed to act promptly. 

Requested Resolution : I am requesting CFPB assistance to require MOHELA to : 1. Immediately correct all inaccurate account information, including account status and monthly payment amount 2. Provide written confirmation stating : My account has no past-due balance My monthly payment amount is correct Any prior incorrect information was due to MOHELAs error My account is current and in good standing 3. Ensure any incorrect reporting to third parties is fully corrected MOHELAs continued delaydespite acknowledging faulthas caused unnecessary hardship and risk. I am requesting prompt intervention.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
This letter is submitted to formally dispute inaccurate, unauthorized, and unverifiable accounts appearing on my TransUnion consumer credit report as a result of my personal identifying information being compromised in a data breach. These accounts were not authorized by me and can not be verified as accurate. 
Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2 ( a ), TransUnion is required to maintain maximum possible accuracy and to block and delete any information resulting from identity theft or compromised consumer data that can not be properly verified. 
I am disputing the following accounts in their entirety : Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$15.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$10.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XX/XX/XXXX Opened : XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-12-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-25 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone physically had my phone and used my compromised passwords to send money, this falls under " Unauthorized Electronic Fund Transfer '' as defined by federal law ( Regulation. Between XX/XX/XXXX and XX/XX/XXXX, a total of {$740.00} was stolen from my account via unauthorized XXXX transfers after my mobile device was compromised by a third party. 
The Fraudulent Transactions : XXXX XXXXXX/XX/XXXX : {$260.00} XXXX XXXXXX/XX/XXXX : {$350.00} XXXX XXXXXX/XX/XXXX : {$120.00} * Total : {$740.00} Basis for Appeal : These transfers were unauthorized. A third party gained physical possession of my device and accessed my banking app using compromised credentials. I did not initiate, authorize, or benefit from these transfers. 
Under Regulation E ( 12 CFR 1005.6 ), my liability for unauthorized transfers is strictly limited, especially as I reported this activity promptly upon discovery. Chases denial of this claim is a violation of these federal protections. I am requesting that your Executive Communications team re-investigate this matter, specifically looking at the device location and IP data which will confirm I was not the. I am prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ) if this is not resolved.

Thank you for your time and assistance. 
Sincerely, [ XXXX XXXX ] XXXX ] XXXX  last 4 digits of account is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: MA

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