vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I am following up on my previous complaint regarding inaccurate reporting on my credit reports from Experian, TransUnion, and Equifax related to my XXXX account ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite having disputed these errors directly with all three credit reporting agencies and providing XXXX with documentation confirming that all payments were made on time, the inaccuracies remain on my reports. Specifically, my credit reports continue to show XXXX occurrences of XXXX late payments and XXXX occurrences of XXXX late payments. Additionally, the account opening date and last payment date are incorrect. These errors do not reflect my actual payment history and have caused a negative impact on my creditworthiness and financial opportunities. The ongoing reporting of inaccurate information has also caused me considerable stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: TN

Complaint narrative:
I want the company to provide this information to me.

1. Added to the do not call list 2. Validation of debt not just verification such as statements and robo copy of a contract. I'm asking for full validation of debt contract with wet ink signatures from both parties, full flow agreement, purchase agreement, as well as the loan sale agreement, a full accounting of 42 Gaap ( generally accepting accounting principles ) including any tax benefits taking off the account, insurance claims that has been made from the account, and any securities that has been generated from the account. All of that info sent certified mail with receipt to me to confirm delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to resolve my Bank of America credit card hardship since XXXX and I am still being ignored. My next months payment is {$200.00} and I have repeatedly asked for a hardship review, written communication only, and proper assistance. 

Instead, Bank of America dismisses my concerns, refuses to address the issue, and keeps directing me in circles between collections and departments that can not help. I have filed multiple complaints and nothing changes. Bank of America continues to ignore me and has not provided any resolution. 

Are you kidding me? Ive been asking for real assistance for months, and suggesting settlement is not only unhelpful, it proves they arent even addressing the issue XXXX raising.

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 monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint FCRA Violations and Inaccurate Reporting by XXXX XXXX XXXX TransUnion, Experian & XXXX I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by XXXX Credit XXXX TransUnion XXXX Experian, and XXXX  XXXX based on my Three-Bureau Credit Report dated XXXXXX/XX/year>

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 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
In XX/XX/year>, Hunter Warfield began reporting a rental debt ( Account # XXXX ) to the credit bureaus that I dispute as invalid. On XX/XX/year>, I submitted a formal written dispute and debt validation request directly to Hunter Warfield. They acknowledged receipt of my documentation the same day by email.

Since then, I have not received any validation, documentation, itemized charges, lease records, or proof that I owe the alleged debt. More than 30 days have passed with no response and no evidence provided. 

Because they continued reporting this debt without providing validation, I sent a Final Notice on XX/XX/year>, informing Hunter Warfield that they were in violation of the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA ), and requesting : Removal of the unvalidated account from all credit bureaus Cessation of all collection activity Written confirmation that the account is closed/deleted I again received no response.

Hunter Warfield continues to report this unvalidated debt to the credit bureaus despite failing to provide any proof that the debt is legitimate. This constitutes continued collection activity without validation, which violates FDCPA 1692g ( b ), and continued reporting without validation, which violates the FCRA.

I am requesting CFPB assistance to : Require Hunter Warfield to provide full validation OR delete the account Require them to cease all collection activity until validation is provided Correct any inaccurate or unvalidated information on my credit reports This complaint is not a refusal to pay ; it is a request for documentation as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Issue : Unauthorized transactions Robinhood refused reimbursement despite meeting all security requirements I am filing a complaint against Robinhood Markets , Inc. regarding more than {$10000.00} in unauthorized transactions that occurred in my brokerage account on XX/XX/year>. All the transactions on that day were completely unauthorized and not initiated by me. 


What happened XXXX XX/XX/year>, multiple trades took place in my Robinhood account without my knowledge or authorization. I discovered these fraudulent transactions immediately and reported the issue to Robinhood Support on the same day.

I provided all requested information, including device details, activity logs, statements, and a written declaration confirming that I did not authorize these trades. 

More details On Tue, XXXX XXXX XXXX, there were multiple unauthorized activities and transactions that caused over {$10000.00} loss on my account. All these unauthorized activities occurred between XXXX to XXXX in Pacific Time . I'm living in California, so I have no idea what's going on during that time period when I was still sleeping. After I got up, I found these unauthorized activity notifications in my email and my account was restricted. After resetting password and logging into my account, I found I lost over {$10000.00}.

I fully complied with Robinhoods Security Guarantee I followed all of Robinhoods security requirements : I never shared my login credentials or 2FA codes.

I never allowed remote access to any of my devices.

My devices are secured with passcodes and always in my possession. 
I did not click any suspicious links or download untrusted apps. 
I reported the unauthorized activity immediately after discovering it.

Robinhood still refused to reimburse me Despite clear evidence that : the transactions were unauthorized, I strictly followed all security guidelines, and I reported the issue immediately, Robinhood informed me that they will not reimburse my loss and that the decision is final, without providing : any explanation of their investigation, any evidence of wrongdoing on my part, or any justification for denying reimbursement.

This response is unacceptable and contradicts their Security Guarantee and their obligations to protect consumers. 


Financial impact I lost over {$10000.00}, which represents a significant financial hardship.

What I am requesting I am requesting that the CFPB requires Robinhood to reimburse the full amount of the unauthorized transactions on XX/XX/year>. 


Attachments I provided XX/XX/year> account statement showing unauthorized trades Screenshots of all fraudulent transactions My same-day report to Robinhood Email correspondence and Robinhoods final decision My No Negligence Statement ( PDF ) Thank you so much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-12-08 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: GA

Complaint narrative:
I just want to follow up this multiple inaccuracies on my credit report, including incorrect addresses listed as 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. These inaccuracies negatively affect my creditworthiness and do not reflect my true financial history.

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 2025-12-08 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: GA

Complaint narrative:
I discovered that several accounts were added to my credit report that I did not open, authorize, or use. These include a XXXX  XXXX XXXX credit card account that shows a balance of {$11000.00} and was reported as charged off beginning in XXXX, as well as a XXXX XXXX XXXX collection account for an {$860.00} debt originally from XXXX XXXX XXXX  that began reporting in XXXX. I did not apply for these accounts, did not receive any credit from these companies, and did not make any charges or payments on them. 

These accounts were opened without my knowledge and are the result of identity theft. I only became aware of the fraudulent activity after checking my Experian credit report in XXXX and seeing negative information appear that does not belong to me. The reported past-due balances, charge-off statuses, and collection updates were all created by someone else using my information. 

I never had a credit relationship with XXXX  XXXX XXXX for this account, and I have never had an account with XXXX XXXX XXXX  or XXXX XXXX XXXX. I did not authorize any activity reflected in the payment history or delinquency timeline. These companies have continued to report negative information that is inaccurate and damaging. 

I am requesting that these fraudulent accounts and all related information be investigated and removed from my credit file, since they were opened and used without my permission.

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 2025-12-08 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: TX

Complaint narrative:
The entry under review provides an incomplete and misleading account of my financial conduct. I kindly request that an official investigation be initiated and that the necessary adjustments be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
An XXXX authorized transaction with XXXX along with an order not received by XXXX. XXXX told me to dispute it with the bank. XXXX closed out my account and told me to do the same. So now I have two disputes with Cash-App and Cash-App keeps giving me to run around. Telling me it will take 45 days for an outcome and I call bs. Its like there not wanting to do anything about this. I have ordered and received a new card and the next step is removing my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as XXXX inaction violates federal law and my rights as a consumer. 
I am writing to dispute an account that has been misreported on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The information is reported differently on all 3 credit bureaus. The account is being misreported across my credit files. I am requesting that this account be removed. If it can not be proven as accurate, I ask that it be removed from all three credit bureaus immediately to ensure my credit report reflects correct and fair information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

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 2025-12-08 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint because a charge card account that is 4 years and 5 months old is still being reported on my credit profile in a way that is inaccurate, misleading, and damaging. The furnisher has failed to verify the accuracy of this account, and the continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ).

1. The Age and Reporting Timeline Are Questionable This charge card account is 4 years and 5 months old, yet the information being furnished : Does not match the correct delinquency timeline Appears to show inconsistent update dates Does not properly reflect the original Date of First Delinquency ( DOFD ) Could have been re-aged to keep it reporting longer Re-aging is illegal under the FCRA and misrepresents the actual history of the account.

2. The Furnisher Has Not Provided Proper Verification I have disputed this account previously, and the furnisher has not provided : Proof of the original balance A signed agreement or cardholder contract Evidence supporting the dates they are reporting Documentation proving the accuracy of the account history A proper accounting of charges, fees, or payments If the furnisher can not validate the account with documentation, they can not legally continue reporting it.

3. Failure to Conduct a Reasonable Investigation Each time I disputed this account with the credit bureaus, the furnisher responded with : Automated responses No documents No investigation No actual review of the accounts legitimacy A furnisher is required under FCRA 1681s-2 ( b ) to conduct a reasonable investigation, not simply click verified.

4. The Account Is Reporting Inaccurately and Causing Harm The information being furnished is : Outdated Incomplete Misleading Potentially inaccurate Damaging to my creditworthiness Despite this, the furnisher continues to report it in a way that lowers my score and blocks financial opportunities.

Continued reporting of inaccurate or unverifiable information violates : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i reinvestigation standards FCRA 1681s-2 ( a ) duty to furnish accurate information 5. The Furnisher Is Causing Ongoing Financial Damage Because of this account, I am experiencing : Lower credit scores Higher interest rates Denial of credit opportunities Misrepresentation of my financial standing This is unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and these inquiries remain on my report. This failure to act is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply concerning and raises serious concerns about possible identity theft. Leaving this issue unresolved is causing ongoing emotional and financial harm.

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