vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: DC

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.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
On XX/XX/year>2025, Robinhood notified me that they were closing my brokerage account. I currently have approximately {$110000.00} in fully settled cash in that account. This is 100 % liquid cash that is not tied to any open positions, margin, leverage, crypto, or pending transactions. 

When Robinhood shut down my account, they also removed me from the cash sweep program, which means I no longer earn interest on my cash. Then they refused to let me withdraw my own funds. Robinhood repeatedly told me that they are working with my bank to return deposited funds and that the process could take XXXX to XXXX days. 

My bank has confirmed that there is no hold, no reversal, no restriction, and no issue on their end. ACH deposits do not take XXXX days to return. Robinhood is holding my money without justification.

Robinhood has not provided any legal or regulatory reason for withholding my funds. They continue to send generic template responses that do not explain why I can not withdraw my cash or why it should take months to return money that is already fully settled. 

This situation is causing me financial harm, including loss of access to my own funds and loss of interest due to their forced removal of my sweep enrollment. I believe Robinhood is improperly withholding my money and denying me access without any legitimate basis.

I would like the CFPB to review this matter and require Robinhood to release my funds or explain the legal basis for refusing to let me withdraw my own cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Demand for Deletion & Legal Validation FCRA & FDCPA Violations To Whom It May Concern, This is a formal statement and demand regarding your attempts to collect on an account for which the original creditor has already filed IRS Form 1099-C, evidencing cancellation of the debt. Continued collection or reporting activity on a canceled debt is improper and may constitute a violation of state and federal law.

Further, you have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( requiring deletion of any inaccurate, incomplete, or unverifiable information upon dispute ). You have continued collection activity and failed to comply with my written dispute request, sent more than 45 days ago, which requested : Chain of title for the debt Assignment of debt contract Copy of the signed contract from the original creditor Any other legal documentation establishing your companys right to collect this debt As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) - ( b ), you must provide written validation of the debt, including the name and address of the original creditor and documentation verifying the debt. If a consumer disputes all or part of the debt in writing, you must cease all collection activities until you provide such validation. By failing to send the verification after my written dispute, you have violated FDCPA 15 U.S.C. 1692g ( b ), and your continued attempts to collect, or report, may be unlawful.

Legal Codes Violated : FCRA 15 U.S.C. 1681e ( b ) : Maximum possible accuracy in credit reporting FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of inaccurate, incomplete, or unverifiable information upon dispute FDCPA 15 U.S.C. 1692g ( a ) - ( b ) : Must cease collection and provide written verification after dispute If this account is not deleted from all credit reporting agencies and you do not cease all collection efforts within five ( 5 ) days, I am prepared to file a claim in small claims court ( Form SC-100 ) and pursue statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k. 

Take this demand seriously and act immediately. 

Sincerely,

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 2025-11-21 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: FL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report with Experian, which I believe contain inaccuracies and discrepancies that need to be corrected. 

CHARGED OFF XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} INQUIRIES XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account Number : XXXX XXXX XXXX, Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Repeated Unreasonable Check Holds, Dismissal of CFPB Rules, and Poor Customer Service by Chase Bank Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding Chase Banks repeated and unreasonable holds on deposited checks, their failure to adhere to CFPB regulations, and their dismissive customer service. 

Details of the Issue : On the XXXX of this month, I deposited a check from my credit union into my Chase account. Although the funds have left my credit union, Chase has not made any portion of the deposit available in the timeframes mandated by CFPB Regulation CC. Specifically, a portion of the funds should be available by the first business day, a larger portion by the second, and the full amount by the seventh business day. Chase has not followed these rules. 

Moreover, this is not the first time. Last week, they placed an initial hold on a smaller check from the same credit union and only released the funds after I called in twice. This suggests a business practice of unreasonable holds. 

In my most recent round of calls with Chase, I even cited the CFPB rules directly to their representative and told them where they could find this information. Despite this, the representative reiterated that they knew the rules but clearly did not and would not even attempt to verify them. Instead, they asserted that their internal policy somehow overrode federal regulations. This level of disregard for the actual rules is deeply concerning and speaks to a systemic issue within Chase. 

Desired Resolution : I request that the CFPB investigate these practices, ensure that Chase adheres to the proper funds availability timelines, and that their representatives are properly trained and do not dismiss federal regulations. This will help protect other consumers from experiencing similar issues. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. This is not my account. I do not have any collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. See attached documents. I request to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
I am disputing the accuracy and completeness of the accounts listed below on my Experian report. I believe that certain accounts may not be reported correctly, including discrepancies regarding balances, account statuses, or other information. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$570.00} XXXX BANK, XXXX, XX/XX/XXXX, Balance : {$7800.00} XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$120.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$77.00} Inquiries : XXXX XXXXL, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ARKANSAS XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXY, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Debt collector called my number which is on the Do Not Call Registry. They called for my brother, and asked that I give out his private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
Made an automatic payment from the us bank portal on the XXXX then when I checked I didnt see anything about a payment being made then tried again many times so after me trying multiple times I decided to call the bank then they told me that they see a payment has been processed but now when I checked my credit report it should us bank reported I have a outstanding balance of XXXX when it supposed to be XXXX I called the bank and they said that they understand I made the payment on time but now since they have already reported that there isnt anything they can do at the moment I just have to wait till next reporting cycle

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 2025-11-21 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: CA

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 and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Chase Bank Customer Service XXXX Department XXXX XXXX XXXX XXXX, TX XXXX ( Or submit via the XXXX XXXX XXXX on XXXX ) Re : Technical Failure Accessing Bank Statements Account Ending in XXXX To Whom It May Concern, I am writing to formally file a complaint regarding a persistent technical issue with the Chase online banking portal that is preventing me from accessing my official bank statements. 

Despite multiple attempts to view and download my statements for the period of XX/XX/XXXX to XX/XX/XXXX via XXXXchase.com, the system fails to load the document. Instead of the statement, the server returns a " XXXX XXXX Timeout '' error or a XXXX XXXX error response. 

Technical Details of the Error : On XX/XX/XXXX, while attempting to retrieve my documents, the page crashed with the following specific error code : Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This error explicitly indicates a failure in your star.documents.retrieval service, confirming that the issue lies with Chase 's internal document server and not with my internet connection or device. 

Impact : I require these statements immediately for personal record keeping and financial management. Your failure to provide access to these documents is hindering my ability to manage my financial affairs. 

Resolution Requested : Immediate Delivery : Please email or mail a copy of my statements for the period of XX/XX/XXXX to XX/XX/XXXX to me immediately at no cost. 

Technical Fix : Escalate this " XXXX '' error to your IT/Web Support team to restore standard access to the document portal. 

Please contact me at XXXX or via email at XXXX to confirm this request has been received and processed. 

Sincerely, XXXX XXXX Account XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Bank claims i am in a mortgage with them where i never signed any documents. They further claim they have signed and notarized documents but have failed to provide. Now they want to pay me to reverse their " mutual mistake '' and sign a document removing them from any liability so I can not sue them for the damages they have caused in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Description of the Issue On XX/XX/XXXX, I applied for a Capital One credit card and was approved. Immediately after approval, I received a virtual card through the Capital One mobile app, which I used to make a single purchase on XXXX for approximately {$50.00}. 

On XX/XX/XXXX, I received the physical card in the mail. When I attempted to activate it through the app, I received a message stating that the card was restricted. After navigating further in the app, I discovered that the account had been closed. 

I contacted Capital One customer support on XX/XX/XXXX to understand why the account was closed. The representative informed me that the card had been closed due to suspicious fraud activity. I requested that the representative review the account for any fraudulent transactions. After reviewing, the representative confirmedon a recorded linethat * * no fraud * * had occurred and that the account appeared to have been closed by mistake. He also stated that there was nothing he could do to reopen the account and advised me to submit a new application. 

I expressed that this resolution was unacceptable. The account was closed through no fault of my own, and this action may negatively impact my credit report by showing an unjust closed account, as well as potentially requiring me to undergo another hard inquiry if I reapply.

Company response to consumer: Closed with explanation