vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed an order on XXXX before I went on my vacation. It was a couple of the things so the total ended up being around {$350.00}. I was given an estimated delivery date for my package. On XX/XX/XXXX the package was supposed to be delivered since it was an expensive package and I did not want to take any risks I had it shipped over to my work place which is a store. The reason I did this was so the driver can hand the parcel over to me in my hands or whoever was there their hands. I received an email the package was delivered but no one came in so I gave it some time we get packages every morning from the courier for the store so i assumed it XXXX be a delay or an error. I then waited until XXXX closing time it still was not here. Thats when I contacted the shipping company and they left me know the package was delivered I informed them that I have been waiting for the last XXXX hours and no one has came in for the package. They told me my other option is to file a claim but the person filing the claim would have to be the one that sent it XXXX. So i called XXXX and they told me they cant reship the order. Since it was a lot of things i needed the next day I did an XXXX  delivery with all of the products again. I contacted XXXX again and they did not provide me any solution I told them I can provide any evidence which was recorded footage during this time to show the package was not given. While going through the footage the store was able to pick up that during this time a package was delivered but to the house right to the side of the pharmacy. I was able to go ask the neighbor if they did recieve my package but they denied they did not recieve it and after going back & forth with them they were able to provide me footage of a package being delivered & someone taking it about a few minutes later but I can not confirm if it was the XXXX  package or not. I sent all of this evidence to XXXX & they told me to contact my bank for a dispute since they cant offer me a refund or replacement in their system. I was outside of the country when they said this to me so i didnt file the dispute until I came back. Not even a month later they reversed the dispute again with my bank. My bank told me I can not re open the claim and I have to contact XXXX  for the the refund which they are not giving me. They also are not even filing a claim on my behalf with the shipping company. I am stuck and not given any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX with Experian. I submitted a court order dated XX/XX/2025, showing that the case was dismissed with prejudice under Indiana XXXX XXXX XXXX ( XXXX ). Despite this, Experian continues to report the collection as valid and outstanding. There is no judgment, and the account is no longer legally collectible. I believe this violates the FCRA requirement for accurate and complete reporting. Experian failed to correct the error after its investigation, and I am requesting full deletion of the XXXX XXXX account from my credit file.

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 2025-10-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-27 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am submitting this complaint against Chime Financial , Inc. for failing to protect my funds and properly investigate two unauthorized {$2000.00} transfers ( totaling {$4000.00} ) from my account. These transactions occurred during a XXXX  XXXX situation, and I have documentation proving the circumstances. 

Details During a domestic dispute, my partner took my phone without permission and accessed my Chime account. On two separate dates XX/XX/XXXX and XX/XX/year> he transferred {$2000.00} each time to himself using the Chime app. 
I did not authorize these transactions, did not share my login information, and was not present when the transfers occurred. 

After discovering the missing funds, I contacted Chime immediately to report them as unauthorized transfers. I also provided domestic-violence documents and a police report showing I was the victim of financial and physical abuse. 
Despite this, Chime has not refunded my money or provided adequate support. I was told that because the person who accessed my account was someone I knew personally, they would not treat it as fraud even though I never gave him permission to access my account or send himself money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with TransUnion. Specifically, I am disputing the following accounts being reported.

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ).

The continued reporting of these unverifiable accounts is causing ongoing harm to 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 non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
Dear CFPB Complaint Team, I'm writing to file a complaint against Robinhood, regarding my frozen/locked account. Despite requests, they've failed to unfreeze/unlock my account or refund my money. 

Details : - Account username : XXXX XXXX XXXX XXXX Account number XXXX Amount {$480.00} - Date issue started : [ XX/XX/year> ] - Steps taken : Contacted Robinhood support, tried resolving through app/website I'm requesting assistance in : 1. Unfreezing/unlocking my account 2. Refunding my available balance to my debit card I've attached correspondence with Robinhood. Please investigate and help resolve this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have attempted to access my account on numerous occasions for months. On recent occasions the dates were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am not able to receive the verification code they are sending. I then try to verify my identity with my drivers license. There is always an error and no response when I try to contact Robinhood about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Hi, I was in XXXX traveling in XXXX. I lost/ my phone was stolen and wallet in prgaue. I went to the bars i was at and told them to keep an eye out and they said they will contact the police and let them know. So, I didn't have a phone at all for the rest of the trip. When i came back, i called XXXX XXXX and told them about a lot of random charges on my acconut, but nothing happened. So on septmer XXXX i ordered my new phone when i got back, and then i recieved it on the XXXX. I sent wells fargo evidence from XXXX of the iphone i got. On XXXX XXXX i called the right away and told thme about all the cahrges again nothing happened for acouple days. So then on the XXXX i called again, and fianlly they took action. There were clsoe to XXXX work of charges on my wells fargo acconut. On my amex there were close to XXXX, my other amex close to XXXX, on my discover clsoe to XXXX, and my capital XXXX there were close XXXX. All of these companies have credited these amounts back to me and fixed i except wells fargo. They keep denying my claims. I then made a police report in XXXX when i came back so that there is proof that my phone was stoeln and wallet. They keep deyning my claims, and they are the only bank. I sent them proof of the new phone, ive sent them pics of other banks creidting my account, i sent them pics of the new wallet and everyhitng, and the new credit cards. And they still keep denying my claims. It's so anoying. I then requested- requesting a written explanation of your investigation and the evidence you relied on to deny my fraud claim. And nothing. I went to wells fargo bank to maybe get bankers involved and have them fax and try it, and still nothing. I've tried 3 times now, and it's affecting my credit score. XXXX card with wells fargo are awful truly. this is ridicujlous

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
b'On the morning SeXXXX XXXX XXXX, I attempted to deposit $XXXX  at a coop ATM (XXXX) in XXXX, MI.  I inserted my Credit Union (Suncoast Credit Union) in the ATM, selected "deposit" and placed 5 $XXXX  bills in the ATM, which it promptly took.  For 4 minutes or so, the display read "Processing Cash", then the ATM crashed....black screen. After a minute or so, the screen said it was attempting to reboot for a couple minutes, then said it could not because it had no cable connection. It kept my $XXXX.\n\nI called the number on the ATM front and reported the problem.\nI then called my credit union and filed a dispute (Suncoast Credit Union).\nWhen the lobby opened at XXXX  (XXXX XXXX XXXX XXXX XXXX XXXX) I talked to associate XXXX.  He said he had already received an email regarding the problem and that it was being investigated.\n\nDuring the following 4 weeks, I had continued contact with Suncoast...they told me to get a "balance inquiry" from the ATM in question and send them the receipt. I called XXXX  and they said they could not release that info to me, that Suncoast needed to request that. I passed this on to Suncoast.\n\nDuring the next few weeks of back and forth emails, Suncoast only kept telling me that I did not have an active debit card and that I couldn\'t have made the deposit...they requested the card number which I gave them, I did so again...I had already given that number during my initial dispute filing.  I was unaware my care was not active...nobody told me this. \n\nAt any rate, the transaction never actually occurred, being interrupted by the ATM crash.  Had it completed, the money would have been returned to me with an explanation.\n\nSuncoast continued to tell me that no card was active and that I coulnd\'t have made the deposit.  I went back to XXXX  on XXXX, spoke again with XXXX. He spent about 45 minutes with me and his people. They said yes, they definitely showed an "offage" at that ATM (device #XXXX) on XXXX that corresponded with my loss of $XXXX, but that they could not refund the money...due to "legal complications" this would still have to be done by Suncoast regardless of whether my debit card was active or not. They gave me explicit instructions, to pass along to Suncoast, on how to do this. I passed the info on to Suncoast.\n\nSuncoast has stopped responding to me...will not answer my last two emails.\n\nAll of my email communications, including dates/times/phone communications/names are available. I will attach them if provided a means to do so in this complaint form.\n\n\n\nCPFB\nXXXX XXXX XXXXXXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NY

Complaint narrative:
I was ripped off in XXXX XXXX, XXXX by a vendor/jewelry store what I had thought I spent was XXXX XXXX  using my cashapp card turned out to be XXXX times the amount this was a cruise destination, by the time I realized what had happened we where at sea i called cashapp immediately and they basically told me because I used the physical card they had no responsibility to help me with fraudulent and unauthorized transactions that occurred on XX/XX/2024, I've unfortunately had more than enough fraudulent transactions in the past ever banking institution besides CashApp has at least made an attempt to help me recover the monetary loss, it's absurd asinine and to find out about their class action lawsuit, solidifies my original thoughts that fine print, ethical and moral business practices isn't part of their business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

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 2025-10-27 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one is charging me over {$3000.00} and interest on one card. Another card was a capital one XXXX card that theyre charging me over {$1800.00} an interest in XXXX XXXX them and I dont know why they didnt notify me that they were gon na drop and I shouldve couldve resolved the issue, but they kept the card and kept charging me interest. I believe its unfair and wrong and this was going on for a year and a half and theyre still charging me interest in asking me to pay off I tried to resolve and got no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with explanation