vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
While traveling in XXXX in late XX/XX/year>, I had to leave an XXXX within an hour of arrival because the unit was filled with cigarette smoke that created a health and safety risk. I booked a hotel that night and submitted a travel insurance claim through XXXX XXXX the insurer bundled with the Revolut XXXX XXXX  . 

XXXX denied the claim as a change in plans, closed the file, and did not provide a formal denial letter or appeal instructions until I repeatedly requested them. The handling was inconsistent and did not reflect fair claims standards. After I pursued the issue through the proper channels, the insurer eventually reversed its position and approved payment. 

I filed a complaint with Revolut asking them to review how their insurance partner handled the claim, confirm the partner follows fair claims practices, and consider a goodwill credit for the mishandled process. Revolut issued a Final Response stating they can not influence any insurance outcomes and are not responsible for suitability or oversight of the benefit, despite marketing the travel insurance as part of the paid XXXX XXXX. They did not meaningfully address the concerns I raised. 

My complaint is about Revoluts marketing and oversight of a paid service benefit. Revolut promotes travel insurance as a feature of its XXXX XXXX  but takes no responsibility when a bundled partner mishandles a legitimate claim, leaving consumers without support or accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding.

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$650.00} Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
XXXX. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX  data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law XXXX. XXXX  's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold XXXX  and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. 
Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by 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 non-monetary relief
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, as the details provided are either incorrect or incomplete. Please find below the relevant account details for each credit bureau.Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX Account Number XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi my name is XXXX XXXX. The name of the bank is wisely by XXXX, but the main Bank is FIFTH THIRD BANK N.A.. I lost my card XX/XX/XXXX and from XX/XX/XXXX to the XXXX there were over XXXX unauthorized charges made on my account totaling to XXXX. I filed my dispute with the bank XX/XX/XXXX and in just a few hours they denied the same day. I do not understand how, when there is clear fraud and unauthorized charges on my account that they were messaging me about them the whole time.They were consistently sending suspicious activity messages but I was working which I do often and couldnt acknowledge. But as a proper bank when there are more then even XXXX suspicious charges you lock or freeze the account they did neither. They declined a few then let all charges go through totaling to XXXX dollars! All with me losing my card the same day to the XXXX as all these charges transpired. They asked for a written letter to reopen my dispute. I sent the letter twice to them!! The second time it was tracked and needed to be signed upon receiving it. They received it Saturday at XXXX XX/XX/XXXX. I called the same day to confirm and they said yes they received it and it will take 7-10 business days to complete the investigation. I call Monday XX/XX/XXXX same time the representative refuses completely to let me talk. Insisting that there was no such letter received that they have never received a letter and that I have to send it again for a third time. I call back the same day and they now say that yes they have received the letter and it will take 7-10 business days. I call back today and again saying they havent received the letter and now it will take 30 days to complete the investigation. They have no intentions of helping me with my dispute or resolve it. They are denying and pushing the date further so the 60 day mark is hit and they no longer have to worry about it. Please if anyone can help I would appreciate it. I am low on funds and super back up on bills. This is absolutely ridiculous of this bank and something has to be done. I have provided pictures of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 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: FL

Complaint narrative:
I am disputing this account as inaccurate and unverifiable. XXXX XXXX has not provided full validation, including : Signed contract Complete billing history Proof of ownership Under FCRA 611, if they can not verify this debt, it must be deleted from my credit report.

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 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I applied for a new XXXX plan back in XXXX of XXXX with MOHELA when interest began. They stated my accounts were paid ahead so that delayed the processing when I called to follow up in XXXX of XXXX. I was not notified of this delay prior to calling to inquire. I was told it would process in 7-10 business days. I called XXXX weeks later, today XX/XX/XXXX and was informed it could be another 90 days. They stated I can not make payments at this time as it will interfere with the paid ahead status being removed in order to process the application. However, interest will still accrue over these potentially 6 months of processing time. They stated there is nothing I can do to mitigate this. When asked how this was not a predatory practice they remained silent and told me not to worry about it because the extra interest could just be forgiven when I reach the forgiveness deadline of the loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
Carrington changed my autopay amount from XXXX -- > XXXX with absolutely XXXX warning and took the additional principal amount of {$75.00} that I pay monthly as well. This happened even with my current amount due of XXXX $ because I made an extra payment in XXXX. 
I received an escrow analysis in XXXX that went into effect on XXXX and have not received another to reflect the new amount that they are charging me. I believe the law is that they must deliver a new analysis to the customer 30 days prior to the change being made and this did not happen in this case. 
I called yesterday multiple times and no one could help me with this because their system was down. I spoke to someone today in the escalation department that was less than helpful - apparently they did a new analysis on XX/XX/year> but because of the holiday they weren't able to get it uploaded into my portal yet and I still have not seen the alleged new analysis that should have been sent to me over a month ago. The only place I see the new payment amount is on the main screen when I log in for my next payment due - my bill for " due XXXX '' says {$0.00} due - so how can they take extra money out with literally NO warning? This seems highly illegal and unethical and I will seek legal counsel if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
GoodLeap financed my solar lease based on false sales representations made by their approved installer, XXXX XXXX. My XXXX  and I were promised : XXXX XXXX XXXX XXXX XXXX walk-away option after XXXX  years -A contract shown to us that did not match the one we signed -A XXXX who confirmed the false promises over the phone The contract we signed is completely different from what was shown and verbally guaranteed, and the system does not provide the promised savings.

GoodLeap is attempting to enforce the contract despite knowing it was obtained through deceptive sales practices by their authorized partner. I requested a fair-market buyout ( as allowed under the contract ), but GoodLeap has delayed responding for over a week. They moved quickly in all other areas ( activation, billing, collections ) but have stalled on any resolution that benefits the consumer.

I paid a late fee in good faith to avoid credit harm, but GoodLeap will not provide a written update on the buyout, next steps, or dispute resolution. 

I believe GoodLeap is : -Mishandling a formal dispute -Failing to act in good faith -Attempting to stall or delay the resolution -Refusing responsibility for misrepresentations that induced the contract -Threatening credit reporting while the account is under dispute I am requesting CFPB assistance to obtain : XXXX pause on collections and credit reporting while the dispute is active -A fair-market value buyout as allowed under the contract -Accountability for misrepresentation connected to their approved installer -Investigation of GoodLeaps dispute handling practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address inaccuracies in my personal information on my credit report, which are causing difficulties with my credit applications and resulting in significant frustration. 
These errors must be corrected to ensure the report reflects accurate details.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: CA

Complaint narrative:
debt is being reported under my name that is NOT mine. I never opened this account, never authorized it, and the company can not provide any proof that I did. This is an inaccurate and damaging report. I want this false account investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Please remove these fraudulent inquiries from my credit report.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX, chime wouldnt reimburse me and shut off my card, leaving my cardless and cashless for XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates ( XXXX ) is reporting a collection account to Experian that contains several inaccuracies and missing required information. According to Experian, XXXX is reporting the account as opened on XX/XX/year>, which is incorrect because this is the date XXXX purchased the debt, not the original Date of First Delinquency ( DOFD ). This improperly re-ages the account and extends the reporting period, which is illegal under the FCRA. 
XXXX XXXX also does not include the name of the original creditor, the original account number, or the XXXX. Without this information, the tradeline is incomplete and unverifiable. XXXX is also reporting monthly C ( collection ) payment history, which is misleading and not appropriate for a collection account. 
I requested full validation of the debt from XXXX ( FDCPA XXXX ), but XXXX has not provided any documentation proving that the debt is mine, proving ownership, or validating the accuracy of the amount they claim is owed. Despite failing to validate the debt, XXXX continues to verify the account with Experian and continues reporting it as accurate. 
I attempted to resolve this directly with the company, but XXXX did not provide any proof of the debt. The account remains on my Experian credit report despite being unverified, inaccurate, and incomplete. 
I am requesting CFPB assistance because XXXX and Experian refuse to correct or remove this unvalidated and inaccurate information.

Company response to consumer: Closed with explanation