vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC
State: CA

Complaint narrative:
I am disputing an {$800.00} collection account that has been placed on my credit report. This debt is invalid and the result of misrepresentation. 

In XX/XX/year>, the XXXX XXXX  repeatedly asked me to sign what he described as a simple acknowledgment form required to stay on the roster, specifically saying it was for anti-hazing compliance. I was no longer an active member at the time ( I had already graduated ), and at no point was I informed that this form created a financial obligation or could be used to hold me liable for dues. 

Despite this, the XXXX  or its representative sent this to collections, and the credit bureau later verified it after my dispute. I requested clarification but was never provided with proper documentation proving that this was a valid debt or that I was financially responsible. 

I have attached evidence ( text messages ) showing the XXXX XXXX misleading me about the purpose of the form. This collection account is inaccurate, unfairly damaging my credit, and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: The Bureaus, Inc.
State: MD

Complaint narrative:
I asked XXXX  and The Bureaus collection agency to send me a debt validation showing the original contract that I owe this debt. When I asked XXXX  to provide me with this information they told me the debt was verified with nothing given to me showing the validation and said I could not dispute it again because it was already disputed. I have been telling XXXX  that this debt was not mine and it was to know avail I also told them that the debt in questions was fraudulently opened and I requested the debt validation with my signature and again nothing. The Bureaus Collection Agency was notified Im assuming by XXXX  who was requested to send me validation and all I received was a packet of statements that has the following information, Account number payments lates fees and frauf papers they want me to fill out and have them notarized and sent back with a signature verification. I am the one who is going through this and asking for them to provide me with the validation because this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TN

Complaint narrative:
I GIVE CFPB PERMISSION TO INVESTIGATE ON MY BEHALF I am requesting CFPB assistance to correct inaccurate credit reporting by Experian, Equifax, and TransUnion regarding XXXX  XXXX  accounts, XXXX XXXX XXXX and XXXX XXXX. These accounts are being reported with duplicates, missing fields, and incorrect designations that fail to show they were paid on time, closed, and never late.

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Company/App Name : Robinhood Markets , Inc. Robinhood trading app Product/Service : Investment account ( 401 ( k ) and brokerage account ) Complaint Summary : Robinhoods app design and trade execution practices caused significant financial harm to my investment accounts. The app uses manipulative, game-like features that pressure users into impulsive trading and panic selling, and I also experienced irregularities in trade execution that suggest I did not always receive fair prices. 

Details of the Problem : The apps design highlights losses immediately upon login, creating psychological pressure to sell at a loss. 
Robinhood employs push notifications and game-like graphics that encourage frequent, unnecessary trading.

My 401 ( k ) account fell from over {$400000.00} to about {$36000.00} in less than one year, largely because the app design pushed me into premature, loss-inducing trades. 
In multiple cases, my market buy orders were executed at prices higher than the reported daily high for the stock, raising serious concerns about whether I received best execution. 
After moving funds to other platforms ( XXXX and XXXX ), my financial outcomes improved significantly, showing that the losses were not solely due to market conditions but to Robinhoods practices. 

Harm to Consumers : Robinhoods manipulative app design and questionable order execution practices caused me to suffer hundreds of thousands of dollars in investment losses. I believe these practices may also be harming countless other retail investors. 

Requested Action : I request that the CFPB investigate Robinhoods business practices, including whether its interface and order handling constitute unfair, deceptive, or abusive acts and practices ( UDAAP ). 

Supporting Evidence Available : I have account statements, transaction records, and screenshots documenting these problems, including market buy orders that executed at prices higher than the days published highs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: OH

Complaint narrative:
I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. ITEMS IN DISPUTE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I signed up for Bank of America credit card promotion-Direct Deposit Cash Advances of 0 % until XX/XX/XXXXXXXX  As a result, {$18000.00} ( direct deposit cash advance ) was debited from my credit card ( ending in XXXX ) deposited into my Bank of America checking account. I was charged and agreed to a {$740.00} fee. Please see summary for my credit card statements ( the balance includes the direct deposit cash advance ) as follows : XX/XX/XXXX : Previous Balance - {$170.00} Payments and Other Credits - {$4200.00} Purchases and Adjustments {$3500.00} Direct Deposit and Check Cash Advances {$18000.00} Fees Charged {$740.00} Interest Charged {$0.00} XX/XX/XXXXXXXX  : Previous Balance {$18000.00} Payments and Other Credits - {$4300.00} Purchases and Adjustments {$3900.00} Fees Charged {$0.00} Interest Charged {$0.00} XX/XX/XXXX : Previous Balance {$18000.00} Payments and Other Credits - {$2000.00} Purchases and Adjustments {$2300.00} Fees Charged {$0.00} Interest Charged {$29.00} Previous Balance {$18000.00} Payments and Other Credits - {$6500.00} Purchases and Adjustments {$2400.00} Fees Charged {$0.00} Interest Charged {$12.00} My new balance as of XX/XX/XXXX statement is {$14000.00}. My concern is the interest Bank of America has charged in XXXX and XXXX ( total XXXX ) since my credit card purchases were paid in full for the month. Based on the balance as of XXXX 's statement, I have paid an overage into my balance ( to include the direct deposit cash advance ). To support this, the XXXX statement, the Direct Deposit and Check Cash advance amount not subject to interest until XX/XX/XXXX reflects : {$16000.00}. I have attached documentation to support all the above. Based on all the above, it appears Bank of America has not honored the terms of the promotion and unethically charged me interest in XXXX and XXXX. I've contacted Bank of America twice, in XXXX and lastly XX/XX/XXXX without any clarification of rationale. Please assist me in my efforts to gain insight and the assurance Bank of America will honor the promotions they offer to all customers.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Charge card is not mine and had no knowledge of requested information that I never received also was harassed over calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Against Consumers Credit Union Credit Card Misrepresentation, Failure to Honor Bonus, and Inaccurate Late Payment Reporting To Whom It May Concern : I am filing a complaint against XXXX XXXX XXXX regarding deceptive practices and inaccurate credit reporting connected to a credit card I opened with them. 

Background I have been a longstanding customer of XXXX XXXX XXXX with multiple auto loans. 

While refinancing a car loan, the representative offered me a credit card. I was told I was pre-approved and that the card came with a {$200.00} bonus if I spent {$1000.00} within the first 3 months. 

During the account opening process, I specifically provided my checking account information and was assured that autopay had been set up for the credit card. 


The Issue A few months later, after losing the original card and receiving a replacement, I later discovered that XXXX XXXX XXXX reported a late payment on my credit report. 

When I called, I was told that autopay had been canceled due to the replacement card, and I was expected to set it up again. I was never informed of this, either by mail, phone, or email. None of my XXXX other credit cards have ever required autopay re-enrollment after a replacement card. 

I immediately paid the entire statement balance as soon as I became aware of the past-due status. 


Harm Caused The late payment was reported to credit bureaus, significantly damaging my credit score. 

I was misled into believing autopay was active, when it was not. This constitutes misrepresentation. 

XXXX XXXX XXXX initially told me they would remove the late payment. I waited over a month, but no correction was made. When I followed up, they claimed they could not remove it. 

In addition, I never received the {$200.00} bonus that was part of the original offer, despite meeting the spending requirement. 


Why This Is Abusive XXXX XXXX XXXX misrepresented that autopay was set up when it was not. 

Their claim that autopay must be reset after a replacement card is non-standard and unreasonable, compared to industry practices. 

They failed to notify me of a past-due balance through any reasonable channel before reporting me late. 

They failed to honor the promised {$200.00} bonus. 

Their inconsistent handling of my requests and failure to correct the inaccurate reporting amounts to abusive and unfair 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
Consumer complaint received 2025-09-28 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: VA

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate information being reported on my credit file. I previously disputed this item with [ credit bureau ( s ) ] and requested verification, including the original signed contract and a full accounting of the alleged amount : Account Name : XXXX XXXX  Account # : XXXX To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. 

I am requesting the CFPB to investigate and compel [ credit bureau ( s ) Experian, Equifax & Transunion ) to remove the unverifiable item ( s ) from my credit report and ensure compliance with federal law.

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 2025-09-28 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: VA

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate information being reported on my credit file. I previously disputed this item with [ credit bureau ( s ) ] and requested verification, including the original signed contract and a full accounting of the alleged amount : Account Name : XXXX XXXX  Account # : XXXX To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. 

I am requesting the CFPB to investigate and compel [ credit bureau ( s ) Experian, Equifax & Transunion ) to remove the unverifiable item ( s ) from my credit report and ensure compliance with federal law.

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 2025-09-27 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: MD

Complaint narrative:
I am writing as the authorized representative of XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to dispute several business credit inquiries appearing on our Equifax Business Report. These inquiries are inaccurate, unauthorized, and have caused harm to the businesss credit standing. 

Accounts in Question The following inquiries appear on my Equifax business report : Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XXXX XXXX XXXX XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XXXX XXXX XXXX XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Non-Financial | XX/XX/XXXX XX/XX/XXXX Basis of Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report ( including business credit tied to an individual guarantor ) without a permissible purpose. I have not granted authorization, nor is there any verifiable permissible purpose, for many of the inquiries listed above. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information. If Equifax can not provide documented evidence including signed authorization or proof of permissible purpose for each inquiry, then these entries must be deleted from the business credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Subject : Predatory Auto Loan Excessive Interest, Unjustified Fees, and False Delinquency Reporting To Whom It May Concern, I am filing a complaint against Santander XXXX  USA regarding my auto loan for a XXXX XXXX XXXX XXXX Santander is engaging in predatory and abusive loan servicing practices. 

1. Predatory Interest Rate Santander placed me at 12 % APR despite having a XXXX XXXX XXXX and strong repayment history. This is far above market averages for qualified borrowers and appears to be price gouging. 

2. Unjustified Fees and Misapplied Payments My contractual monthly payment is {$800.00}, which I have been paying consistently ( see attached payment history ). 
Despite this, Santander has added unexplained charges ( {$320.00} in XX/XX/XXXXXXXX   ) and is falsely showing my account as past due {$1500.00} with a total due of {$2700.00}. 
These additional charges and past due status are improper and misrepresent my payment record. 

3. Consumer Harm Santander is extracting profit through fabricated fees and inflated interest.

My credit is being falsely reported as delinquent despite timely payments. 
These practices mirror the same abusive conduct for which Santander has already faced regulatory enforcement actions in the past. 

4. Evidence Screenshots of my Santander account summary showing additional charges and false past due balances.

Payment history showing consistent {$800.00} monthly payments from my XXXX XXXX account. 

5. Requested Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: MI

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to allXX/XX/XXXX credit bureaus. The fraudulent accounts are : XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The credit bureaus violate 15 USC XXXX and 15 USC XXXX ( XXXX ) ( b ) by not looking into my dispute and investigating like they should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XX/XX/year> XXXX this company is violating my rights the have not give me a validation info under 12 cfr 1006.34 b 5 they have put a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX they have violating my rights they have not provided validation information under 12 cfr ( b ) ( 5 ) yet they went ahead placed a collection on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX  installation in my home on XX/XX/year>XXXX  was performed by a reputable company who offered financing through Service Finance Company. Terms were acceptable and funds were dispensed. Problems arose within 30 days of installation and service and I was offered a reduction in cost of the service. Unbeknownst to me, the companies negotiated a loan buyback to meet the reduced cost. A second loan was opened but not funded, and I was not included in the knowledge of these actions. I was contacted daily by phone and email by Service Finance Company to inform me that my original loan was soon to be in default. When I asked for status on my reduced rate or buyback process, I was met with no information and repeatedly asked to pay on a loan that should have been in a cancellation process. I contacted Service Finance Company daily between XX/XX/XXXX and XX/XX/XXXX to resolve the issues but was not given any information about my loans, only asked to pay on a loan that was to be cancelled. When I requested callbacks, I did not receive them. I left multiple complaints with Service Finance Company but have not been contacted in regards to these. I still have not been contacted with updates or requests for callback as I write to you today.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am disputing inaccurate information on my Experian credit report in violation of the Fair Credit Reporting Act ( FCRA 611 ). Several accounts are not mine or are reporting incorrect balances and late payments, including Diversified Adjustment, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Experian is also reporting outdated personal information. 

Under FCRA, Experian must conduct a reasonable reinvestigation, delete unverifiable items, and provide the Method of Verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ) if any item is verified. I am requesting immediate deletion of inaccurate accounts, correction of personal information, and a corrected report.

Company response to consumer: Closed with explanation