vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
Dear TransUnion 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 : FRAUDULENT ACCOUNTS : 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 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 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 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 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 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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I used my Robinhood XXXX  Credit Card for normal purchases, including on several online social casino platforms. Beginning in XX/XX/XXXX, I filed multiple disputes against vendors including XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX, after these merchants failed to deliver services or locked my account without justification, leaving me unable to access or redeem purchased virtual currency. 

For each dispute, I submitted detailed supporting documentationscreenshots, emails, proof of payment, and the merchants own Terms of Service. Despite this, Robinhood repeatedly denied every dispute using nearly identical template responses citing Not enough evidence or Merchant provided services.

Based on direct communication with at least one merchant ( XXXX ), it appears Robinhood never contacted the merchants at all, contrary to normal chargeback procedures and Regulation Zs requirement for a reasonable investigation. None of the denial notices provided any meaningful findings or explanation of evidence reviewed. 

After I challenged the adequacy of these investigations and notified Robinhood of my intent to pursue arbitration as allowed under the Cardmember Agreement, Robinhood closed my credit-card account on XX/XX/XXXX, citing only suspected fraud. No supporting documentation or opportunity to respond was provided. The timing suggests the closure was retaliatory, following my dispute activity and arbitration notice. 

These actions caused financial loss, stress, and potential credit harm due to Robinhoods negligent and procedurally deficient handling of legitimate consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX, Iowa [ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington , DC XXXX RE : Complaint Against Bridgecrest Acceptance Corporation XXXX XXXX XXXX XXXX Dear CFPB, I am filing this complaint against Bridgecrest Acceptance Corporation and XXXX XXXX XXXX regarding unlawful debt collection and repossession practices. 

On [ insert date ], I sent a certified debt validation request to both Bridgecrest and XXXX XXXX XXXX. To date, no proper validation has been provided as required by the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Despite this, XXXX XXXX  repossessed my XXXX XXXX XXXX XXXX XXXX in XXXX, Iowa. 

During the repossession, I explicitly objected and informed the repossession agents that continuing would constitute a breach of peace under Iowa UCC 554.9609. They proceeded anyway, unlawfully seizing the vehicle. The incident was documented with the XXXX Police Department, Call for Service # : XXXX. 

I respectfully request that the CFPB take action to require these companies to ( 1 ) provide full and lawful debt validation, ( 2 ) cease unlawful collection and repossession activities, and ( 3 ) address the damages caused by this wrongful repossession.


Sincerely,XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing an allegedly owed debt Portfolio Recovery Associates is reporting to consumer reporting agencies ( XXXX  ). Portfolio Recovery Associates lists Account # XXXX, original creditor XXXX XXXX, balance {$1500.00}. I previously disputed this account multiple times ( letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and asked for validation and chain of title. Portfolio Recovery sent an alleged verification that fails to include the original signed contract, the complete account history, or a complete chain of title showing Portfolio Recoverys right to collect. 

Despite my written disputes, Portfolio Recovery continues to report the account as active and past due. This reporting appears to re-age the debt ( last activity in XXXX ) and may be time-barred. XXXX returned the account as verified despite lacking the necessary documentation. Portfolio Recovery has not provided the original contract, itemized account history, or proof of assignment. I have requested deletion and validation in writing and demanded they cease reporting until validated. 

I am requesting the CFPB investigate Portfolio Recovery Associates for failing to properly validate the debt, willful inaccurate reporting, and potential violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I request that CFPB require Portfolio Recovery to provide the requested documentation or remove the account from all consumer reporting agencies, and that XXXX  be required to reinvestigate in compliance with FCRA. I have attached copies of my dispute letters, certified mail receipts, and the XXXX  report excerpt showing the disputed account. 

Requested relief : Permanent deletion of the account from my credit reports ( XXXX and any other bureaus reporting ), confirmation in writing, and any statutory remedies available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-10-17 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: KY

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 wha
t 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 2025-10-17 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: KY

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 wha
t 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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CORELOGIC INC
State: WV

Complaint narrative:
I am filing this complaint to formally dispute and demand clarification regarding CoreLogics ( or the perpetrators ' acting as ) claim that an error occurred in which funds designated for another property owner were instead applied to my property tax account. CoreLogic asserts that the XXXX XXXX XXXX XXXX can not reimburse them because the account allegedly belongs to me. 

This explanation is both unsatisfactory and deeply concerning. I have always paid my property taxes directly to the XXXX XXXX XXXX XXXX using my own funds. I have never authorized CoreLogic, or any other third party, to make tax payments on my behalf. Nor was I notified before or after any such alleged payment occurred. 

Furthermore, public reports indicate that similar misapplications of tax payments have affected other homeowners in multiple states, suggesting that this may not be an isolated incident but rather a systemic operational or procedural failure.

Specific Concerns CoreLogics assertion that it can not be reimbursed for a payment made in error appears inconsistent with standard refund procedures used by county treasurers and auditors when misapplied funds are identified.

The alleged application of another homeowners funds to my property tax account raises serious questions about CoreLogics internal controls, data integrity, and compliance with consumer protection laws. 

As a veteran with a XXXX home loan, any mishandling of property tax payments directly impacts my federally subsidized mortgage and benefits, making this issue of federal concern.

Until CoreLogic provides verifiable documentation supporting its claims, I categorically deny any liability or obligation to reimburse the company. Any attempt to collect funds under these circumstances may constitute violations of federal and state consumer protection laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), The Consumer Financial Protection Act, State-level consumer fraud and unfair practices statutes.

I am copying the following offices for transparency and oversight : Jefferson County Sheriff-Treasurers Office ( official custodian of my tax account ) Jefferson County Assessors Office West Virginia Attorney Generals Consumer Protection Division Federal Trade Commission ( FTC ) Office of Inspector General U.S. Department of Veterans Affairs Office of Inspector General U.S . Senator Shelley Moore Capito and Governor Jim Justice Texas Consumer Protection Division, as CoreLogic operates from that state

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 2025-10-17 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-17 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-17 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: CA

Complaint narrative:
Dear Equifax 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 : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to discover that several companies have accessed my credit report and submitted applications in my name without my knowledge or authorization. I did not consent to, recognize, or initiate any of these inquiries, which clearly indicates fraudulent activity. It is deeply concerning and unacceptable that my personal information has been misused in this way, violating my rights as a consumer and undermining my trust in the system.

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 2025-10-17 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: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-10-17 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX set for {$310.00} on XXXX from a seller based in XXXX. The package was supposed to be delivered to my address in Florida. The seller provided a tracking number through XXXX XXXX, which was then transferred to USPS. When I checked the tracking, it showed the package was delivered to XXXX XXXX an entirely different state and it weighed less than XXXX pound. A XXXX XXXX set of this size should weigh several pounds. 

I contacted USPS, who confirmed it was delivered to a different address and advised me to contact XXXX. I called XXXX and was told they would file a claim, but they never did, and by the time I followed up, they said it was too late to open a case. Since I could not resolve it with the merchant, I filed a dispute with TD Bank in early XXXX. 

TD Bank initially issued a provisional credit, then reversed it without resolving the problem. I contacted them again, explained the situation, and they reopened the case with full documentation : USPS tracking showing incorrect delivery, package weight discrepancy, and proof that XXXX failed to take action. Despite this, the case was denied again and I was advised to resolve it with the merchant which I had already exhausted. 

I am now out {$310.00} and never received the item. I believe this was a scam by the seller using fraudulent tracking, and TD Bank failed to protect me despite clear evidence of fraud. I am asking the CFPB to review this complaint and help ensure TD Bank properly investigates and refunds this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
Dear TransUnion 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 : FRAUDULENT INQUIRIES : 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