vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to Citi bank XX/XX/XXXX to deposit the last of my settlement check from a lawsuit. The company the check came from does not have a direct company name and they only have direct numbers for people. On XX/XX/XXXX the bank closed my account and I found out on XX/XX/XXXX. Their reason was they assumed the check was fraud. I contacted the fraud department and explained the situation said I had numbers from the person who issued the check and I had court documents and my attorney that could prove the check was valid. The bank refused to accept the documents. Accounts payable and BofA ( where the check funds were from ) stated the check cleared on XX/XX/XXXX. Citi bank says it can say it cleared on their end but our end says its still processing. I asked to speak to someone above the rep and they refused to transfer me, they were nasty and rude which got me upset. So my lawyer and the company are not sure what to do from here because they gave the bank everything they had and the bank refuses to accept it. They wont give me another option on how to verify the check. Somehow the check showed it was going to Citi bank on XX/XX/XXXX but XX/XX/XXXX it shows it was cashed but not to my account and there was no transaction number.

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I am submitting this complaint regarding a loan issued by CashNetUSA on XX/XX/year>, which I dispute in full. 

Funds associated with this loan were not received by me and were not accessible to me. CashNetUSA has acknowledged that the funds were sent to a closed bank account, which by definition meant I did not receive or have access to the alleged loan proceeds. 

Despite this, CashNetUSA continues to treat the account as valid and has initiated collection activity. I have notified CashNetUSA that the account is disputed and requested documentation demonstrating that the loan funds were actually received and accessible to me. Rather than providing such documentation or conducting a meaningful investigation, CashNetUSA has continued to send collection communications that merely restate their position without addressing the core dispute regarding receipt of funds. 

I have also requested written communication and confirmation of the dispute status. Continued collection activity while this dispute remains unresolved is inappropriate. 

I am requesting that CashNetUSA : Provide documentation proving that loan funds were successfully disbursed and accessible to me Cease collection activity pending resolution of the dispute Correct and close the account if funds were not received I am seeking CFPB assistance to ensure this matter is properly investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
1. XXXX XX/XX/year> 2XXXX XXXX XXXX XXXXXX/XX/year> 3. XXXX- XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX OF XXXX - 6011 This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 2025-12-22 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: IN

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$400.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} STATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$1900.00} Late Payments : 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 2025-12-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo XXXX Department, My name is XXXX XXXX XXXX XXXX, and I am writing to formally and urgently request the reopening of Claim # XXXX, which was previously closed. This matter involves a documented and serious case of theft and subsequent fraudulent activity on my account, and the prior closure has left me vulnerable to financial loss and ongoing stress. 

I was the victim of a theft in which both my wallet and mobile phone were stolen. As a direct result, my debit card and XXXX XXXX were accessed without my consent, leading to multiple unauthorized transactions. I want to be absolutely clear that none of these transactions were initiated, authorized, or benefited from by me in any way. This constitutes unequivocal fraud directly resulting from the theft. 

I have attached a copy of the official police report detailing the theft, which serves as factual evidence supporting my claim. This report confirms the unauthorized nature of the disputed charges and underscores that the prior closure of this claim does not reflect the reality of the situation. The closure has left me financially exposed and with unresolved fraudulent charges on my account, which is deeply concerning. 

Given the severity and urgency of this issue, I respectfully but strongly request that this claim be reopened immediately and that a full and careful review of all submitted evidence be conducted. I also request that the handling of this matter be expedited to prevent any further financial or personal harm. If any additional documentation or clarification is needed, I am fully prepared to provide it promptly. 

Account XXXX : XXXX Phone Number : XXXX This is an urgent matter with serious financial implications. I greatly appreciate your immediate attention to reopening this claim, reviewing all supporting documentation, and resolving this situation without further delay. Thank you for your time, understanding, and assistance, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year>, an unauthorized {$15000.00} transfer was made from my Robinhood brokerage account to a third party ( XXXX XXXX ). I did not authorize or initiate this transfer. 
I became aware of the transaction immediately through a Robinhood email notification and reported it the same day through Robinhoods support channels. I fully cooperated with their investigation which was a series of canned responses. I answered all security questions in writing, and provided documentation when requested. They responded by closing my account down.

Despite this, Robinhood later stated with another canned response that it found no unusual activity, refused to explain how the transfer was authorized, did not provide any authentication or investigation records, and closed my account instead of returning the funds. 
As of now, the {$15000.00} has not been returned, and my account remains closed without a clear explanation. I am requesting a refund of the unauthorized transfer and a written explanation of how the transaction was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I submitted a properly completed Unauthorized ACH Return Form and police report for an unauthorized {$740.00} ACH debit. Bank of America has delayed and failed to credit the amount despite compliance with XXXX rules. I am requesting immediate reimbursement.

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 2025-12-22 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: SC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-22 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: OR

Complaint narrative:
I had purchased two tickets to the XXXX  XXXX XXXX and was charged {$370.00} for both. The lantern ceremony was then cancelled and the communication from the company has been horrible. They offered refunds on social media but mine was denied when I did a chargeback through chase. The service I paid for was not given and I deserve a full refund. I have screenshots of my communications and the company offering the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
For approximately two weeks, I attempted to transfer * * {$1000.00} * * from my * * Marcus by Goldman Sachs USA * * account. On multiple occasions, the bank represented that the transfer had been successfully processed ; however, the transfer was never fully completed. Each time, I was forced to reinitiate the transaction. 

In total, I was required to redo the transfer * * three separate times * *, despite all required verifications having been completed. After each attempt, Marcus indicated the transfer was successful, only for the funds to later be returned without justification. This pattern created the appearance that the bank was processing the transaction when, in fact, it was not. 

As a result of this improper handling and tampering with my account activity, the bank issued a * * {$25.00} goodwill credit, * * which constitutes an acknowledgment of wrongdoing. 

Following this admission, I requested that Marcus process a new transfer in the amount of * * {$1000.00} * * ( reflecting the original funds plus the goodwill credit ). I further requested that this transaction be * * actively monitored during processing * *, given the prior failures and the banks acknowledgment of error. 

Despite full compliance on my part, Marcus has demonstrated repeated failures to execute a routine transfer, causing unnecessary delay, financial disruption, and loss of trust. 


I want the entire transaction monitored and seen that it is completed this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts DIGITAL EFCU Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries XXXXXXXX XXXX  Date : XX/XX/year> Late Payments 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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
They are saying this debt is mine and I say it is not, I have the XXXX from the original debt. 
They did not have my consent or permission to open another credit line in my name. 
The original creditor has closed the account and they are showing it as open. 
They have not proved that it was my debt or that they had the right to collect that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2025, an unauthorized XXXX electronic fund transfer in the amount of {$200.00} was processed from my Capital One account. 

I did not authorize, initiate, or benefit from this transaction. I reported the transaction to Capital One as fraud under Regulation E. 

Capital One initially issued a provisional credit, but later removed it, stating that the merchant provided evidence of authorization. No such evidence was shared with me despite my request. 

XXXX later closed my online account for compliance reasons, which further indicates that I did not authorize the transaction. 

Capital One has not provided a clear explanation or documentation showing that I authorized this transfer, nor have they conducted a proper Regulation E investigation. 

I am requesting that Capital One reinstate the provisional credit, complete a compliant Regulation E investigation, and permanently refund the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief