vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be reverse and marked as unknown or paid as agreed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be must be reversed and marked as unknown or paid as agreed on my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and must be reversed and marked as unknown or paid as agreed. Immediately 15 usc 1681a. I am calling attention to the violation of 15 USC 1666B timing of payments Account Name : XXXX BANK DELAWARE Account number XXXX Account status : XXXX  Date opened XX/XX/XXXX Late payments This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as XXXX days late for over XXXX days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately.

Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal XXXX This XXXX account has been sold to a debt collector in which I have never given any permission to contact me. This debt collector has attempted to contact and harass me over this alleged debt. And I XXXX them both to stop and end communication with me via mail consumer reporting agencies and any other form of communication

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 2025-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
XX/XX/XXXX I filed a complaint with Cfpb with Netspend due to netspend closing my account and not sending me my remaining balance via check or sending my remaining balance back to The IRS so that they may reissue my funds. I been contacting Netspend since XX/XX/XXXX regarding my remaining balance. XX/XX/XXXX XXXX informed me of a 20 day review and said after the 20 day review I would be issued a check. XXXX XXXX I spoke with Netspend several XXXX. XX/XX/XXXX I filed a complaint with CFPB. I was told that I had a final 60 day review and that if it wasnt resolved XXXX receive my remaining balance in the mail via check. Today is XX/XX/XXXX and XXXX havent received a check, no email nothing

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Account Holder Name : XXXX XXXX Account Number : ( XXXX ) XXXX Date of Account Closure : XX/XX/year> Case ID ( if applicable ) : XXXX On XX/XX/year>, I received an email from Robinhood stating that my brokerage account had been closed. The message further indicated that, " If eligible, all funds will be returned to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to 15 business days to complete this process. Please keep in mind, certain situations may take longer. '' It has now been well over a month since that notification, and I have not received any refund or meaningful update regarding the status of my funds. Despite reaching out to Robinhood support multiple times, I continue to receive the same generic and repetitive message stating that they reserve the right to close accounts and that funds may be returned if eligible. 

No one has explained : Whether I am considered " eligible '' for a refund, Where the funds are being sent, or When I can expect to receive them. 

This lack of transparency and communication has caused me significant inconvenience and financial hardship. I have complied with all requests and provided any documentation required. Still, my funds remain inaccessible, and I am being kept in the dark without a clear resolution. 

I am therefore filing this complaint to request : A full investigation into Robinhoods delay and failure to return my funds ; An order compelling them to promptly release and return the money owed ; Sanctions or penalties if appropriate, for failing to meet basic standards of customer service and compliance. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
XX/XX/year>, I Made A Transaction With XXXX {$69.00} For A XXXX XXXX, The Membership Card Was Taking To Long, XXXX Was Having XXXX XXXX. So I Called Chime & Disputed The Transaction That Same Day! Its Now XX/XX/XXXX And I Still Didnt Receive My Money .. Times Are Hard Every Cents Counts And This Process Should Not Take This Long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
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 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, I am writing to formally contest the findings of your recent investigation regarding my CFPB complaint. While I appreciate your efforts, I must emphasize that the results you provided are not acceptable and do not reflect the reality of my situation as a victim of identity theft. 

I have filed an FTC Identity Theft Criminal Complaint ( # XXXX ) to document the fraudulent accounts that have been opened in my name without my knowledge or consent. This filing serves as formal evidence of my victimization, and, under the Fair Credit Reporting Act ( FCRA ) 605B, I am entitled to have any fraudulent information blocked from my credit report within 4 business days.

The verification of these accounts by the companies involved does not negate my claim. As per FCRA 609 ( e ), I have the right to request a block on any information resulting from identity theft, regardless of what the furnishers assert. It is essential to understand that it is my word against theirs, and as the victim, I should not bear the burden of proving my innocence.

Furthermore, FCRA 607 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Given that I have provided a formal FTC report, it is evident that the information reported is inaccurate and must be treated as such.

I urge you to take immediate action to block all fraudulent entries from my credit report, as required by law. I expect a prompt confirmation that these inaccuracies have been addressed and removed.

Thank you for your attention to this pressing matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
In XX/XX/XXXXXXXX I reviewed my credit report and discovered several accounts that were not opened by me. These entries were added without my authorization and are the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened in XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I had no involvement in any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-14 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a victim of identity theft beginning on XX/XX/year>, and ongoing. Fraudulent actors accessed my XXXX XXXX and Chase accounts without authorization. They transferred funds from XXXX XXXX into Chase, then made multiple transactions under {$250.00} to a fraudulent XXXX account to cash out the stolen funds. 

They also fraudulently redeemed {$980.00} in Chase credit card points. My total loss is {$2100.00} in unauthorized transactions and {$980.00} in stolen points. 

I filed a fraud claim with Chase, and despite clear evidence of account compromise, they denied my claim and refused to reverse the transactions. I requested documentation explaining their denial, but they only provided a notice that the transactions were " authorized '' without evidence or a proper Regulation XXXX review. 

I have secured my accounts and frozen my credit with all three bureaus. I am requesting the CFPB to help enforce my rights under Regulation XXXX and have these losses reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
To Whom It May Concern : I was asked to provide a letter outlining the details for this case. On XX/XX/XXXX and XX/XX/XXXX, the following fraudulent charges were made in XXXX, CA : Date Vendor Charge XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX # XXXX {$65.00} XX/XX/XXXX XXXX - XXXX XXXX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX # XXXX {$47.00} XX/XX/XXXX XXXX # XXXX {$100.00} XX/XX/XXXX XXXX # XXXX {$77.00} XX/XX/XXXX XXXX  # XXXX {$13.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX  # XXXX XXXX {$220.00} Total : {$670.00} At that time and currently, I live in Bend, Oregon and have the physical credit card in my possession. These charges were made in XXXX, California. On XX/XX/XXXX around XXXX PDT, I received a fraud alert. I called and reported that these charges were indeed fraudulent and not made by me or anyone one who was an authorized user ( who also lives in XXXX, Oregon ). 

I was attending a workout class on XX/XX/XXXX at XXXX XXXX studio ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX ). You can call ( XXXX ) XXXX to verify my attendance. Attached is a PDF of my class attendance for XX/XX/XXXX where I was in a workout class in XXXX, Oregon at the time of the charges. 

Please remove these charges since they were not made by me nor did I authorize anyone. I have the physical card in my possession. I have lived in Oregon since XX/XX/XXXX and have not been to XXXX, California since then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for denying my dispute of a fraudulent auto sale that was clearly misrepresentative and deceptive in nature. I made XXXX car payments using my Navy Federal debit card, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, totaling over {$1600.00} to SQ * XXXXXXXX XXXX XXXX. The seller, XXXX, claimed to be selling me a XXXX XXXX XXXX, but the documentation he provided referenced a XXXX XXXX, and he never transferred the title into my name. 

This was a scam. The sale was based on false pretenses, and despite making timely payments, the vehicle was repossessed on XX/XX/XXXX, while an active dispute was under review and before the next payment was even due on XX/XX/XXXX. I was not in default and have full proof, including : A notarized vehicle transfer agreement for a XXXX XXXX XXXX Mechanic paperwork showing the vehicle being serviced as a XXXX XXXX A signed addendum requiring title transfer and refund if the car was misrepresented Payment receipts and evidence of the repossession timeline I submitted all documentation to XXXX XXXX, and they are now reversing the {$820.00} provisional credit and refusing to refund the XXXX payments, claiming this is not fraud simply because I used my card. I am not disputing the authorization of the payment. I am disputing the fraudulent nature of the transaction, where I was scammed out of my money and never received what I paid for. 

I am requesting the CFPB compel Navy Federal to reconsider this claim as a case of fraud through misrepresentation and wrongful repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-14 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: WI

Complaint narrative:
my credit report is showing that i have had a XXXX pt decrease over a XXXX  day late payment and per FCRA late payments arent to be reported unless over XXXX days! i am asking that a up late payment on my credit report be corrected immediately and updated to either no status or on time as credit bureaus can not report a delinquency that is less than XXXX days. my score should not drop every XXXX days XXXX pts each time! i will not be taken advantage of as a consumer

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 2025-05-14 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: WI

Complaint narrative:
my credit report is showing that i have had a XXXX pt decrease over a XXXX  day late payment and per FCRA late payments arent to be reported unless over XXXX days! i am asking that a up late payment on my credit report be corrected immediately and updated to either no status or on time as credit bureaus can not report a delinquency that is less than XXXX days. my score should not drop every XXXX days XXXX pts each time! i will not be taken advantage of as a consumer

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I sent over a debt validation letter a year ago no response Ive disputed the account no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I am being falsely reported to Experian by XXXX XXXX Apartments ( managed by XXXX XXXX XXXX ) for a balance of {$1500.00} after I moved out in XX/XX/year>. I have written confirmation that I would only be charged for 14 days of rent, which was properly prorated to {$550.00}, and I also paid a {$120.00} late feebringing my total balance owed to {$670.00}. 

On XX/XX/year>, I made a payment of {$860.00}, which should have covered all rent, the late fee, and a portion of utilities. Instead of applying this properly, the property continued to add charges ( including final utilities and unclear fees ) and is now reporting a balance that exceeds what I owed, despite being paid in good faith through their portal. 

I have disputed the debt through Experian, left public reviews, and directly contacted the leasing office multiple times. They have failed to clearly explain how the balance is valid, nor have they corrected the reporting. This inaccurate balance is now damaging my credit and affecting my ability to secure new housing. 

What I want : I am asking the CFPB to help remove this inaccurate balance from all credit reporting agencies and hold the apartment management accountable for improper reporting and billing practices.

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