vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
I am disputing multiple unauthorized transactions on my Robinhood Credit Card, issued by XXXX XXXX XXXX 

My physical card was never lost or stolen. The fraud occurred through a virtual card stored in an XXXX that was lost. we did not realize that someone could bypass the password and access my virtual card. 

I only discovered these charges later while reviewing old emails showing late fees. I promptly filed a dispute and later an appeal, but the bank denied my claim, citing app activity and device data. These do not prove authorization, since the device in question was lost and likely compromised. 

I have filed a police report documenting the lost device and unauthorized charges, and I will also fill an FTC identity theft report. Despite this, the bank refused to reinvestigate or provide the data used to deny my claim. 

I am requesting CFPB assistance to require XXXX XXXX XXXX and Robinhood to conduct a reasonable reinvestigation under the Fair Credit Billing Act ( Regulation Z ), remove the fraudulent charges and late fees, and correct any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and these reporting errors are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Further, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) ( A ), if the bureaus or furnishers later attempt to verify or reinsert any of these fraudulent items, they are required by law to provide : A Method of Verification ( MOV ) detailing exactly how the information was verified, including the specific documents and systems used.

A Furnishers Certification of Accuracy a sworn certification from the furnisher attesting to the legitimacy of the information before reinsertion.

Failure to provide these documents within the legal timelines constitutes a severe violation of the FCRA and exposes the bureaus to liability.

Supporting Case Law and Enforcement History Federal courts have consistently ruled that credit bureaus must conduct meaningful investigations and can not rely on superficial or automated processes. 

XXXX v. Trans Union, 115 F.3d 220 ( 3d Cir. 199XXXX ) : The court held that a CRA violates the FCRA when it relies solely on automated verification systems and fails to conduct a real, substantive investigation. 

XXXXXX/XX/XXXX) : The court ruled that CRAs must do more than passively accept a furnishers response ; they are required to independently ensure the accuracy of disputed data. 

XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : Reaffirmed that failure to promptly block fraudulent items constitutes willful noncompliance. 

These cases make it clear : any failure to block, any reinsertion without proper certification, and any superficial verification process are direct FCRA violations. 

Pattern of Abuse and CFPB Oversight The major credit bureaus Experian, Equifax, and TransUnion have a documented history of stall tactics and failure to comply with 605B, including falsely claiming documents are incomplete, requesting unnecessary extra paperwork, and re-verifying fraudulent data after deletion.

This is precisely why I am logging this request through the CFPB first.

By filing through the CFPB, I am creating a federal record to prevent the bureaus from claiming they never received my request or attempting to mischaracterize it. Every step from this point forward will be monitored and documented by the CFPB.

If the bureaus fail to comply, it will not be a he said, she said dispute there will be verifiable proof of their noncompliance, which will form the foundation of civil litigation under FCRA 616617, where I will seek statutory, actual, and punitive damage

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am a Chase customer with a Chase Sapphire XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the prior Chase Ultimate Rewards structure, cardholders could earn points across multiple Chase cards and combine them into a Sapphire Preferred account to redeem through the Chase XXXX XXXX at an enhanced XXXX rate. This ability to transfer and redeem points at higher value was a core advertised benefit of the program and a major reason I used the XXXX cards for most of my spending. 

Chase eliminated this XXXX travel redemption benefit effective XX/XX/year>, without providing clear or direct notice to cardholders. I never received any email, letter, or secure message indicating that the XXXX redemption rate was being discontinued or that points earned on other Chase cards ( such as my XXXX XXXX XXXX XXXX XXXX  ) needed to be transferred into the Sapphire XXXX account before XX/XX/year> to retain their higher redemption value. 

I only learned of this change after the effective date, when I called Chase on XX/XX/year> to ask about transferring my XXXX card points to my Sapphire XXXX account. The representative informed me that because the transfer did not occur before XX/XX/year>, the points would no longer qualify for the XXXX travel redemption rate. This lack of clear notice caused me to lose the enhanced value on points I had already earned under the previously advertised terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
I requested a money transfer on XX/XX/year> that I routinely had done at SOFI due to issues I experienced at their bank. I usually get my transfer the next day to the external account on file after requesting it. This time, SOFI delayed the transaction in a weird way they delayed it longer than usual and I never received my deposit from my SOFI account into my linked external account. I have attached the transfer receipt for the transaction that was never received today XX/XX/year>. It was for XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-10-29 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:
Subject : Personal Information Correction Request Legal Basis : FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 Dear Experian Representative, Please conduct a reinvestigation of my file and remove all incorrect or outdated personal information pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ). 
Keep only : Name : XXXXXXXX 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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent a fax yesterday XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting proof of NJ Supreme Court documents providing the supposed Docket Number listed on the letter they sent me requesting payment on XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  today, XX/XX/year>, at their tel # XXXX, provided file # XXXX, spoke to a rep who confirmed that my fax was received. The rep proceeded to demand payment on the settlement of {$1600.00} they noted within the letter. In the fax that I submitted to them, I noted how I have paid to date : {$6900.00} via their online portal. Their online portal does not even indicate the total amount of debt that was owed so it seems as if these payments are being made to an infinite account. I asked the rep to provide further proof of the XXXX  Supreme Court docs bearing the XXXX XXXX they posted in the debt collection letter, and they dropped the call on me. I waited XXXX minutes, called them back, and again, the call was dropped. If this was indeed a threatening tactic, to falsify court documents and create a XXXX XXXX to put fear in my XXXX after all this time, I wish to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bonneville Billing and Collections
State: WY

Complaint narrative:
XXXXUnder15U.S.C.1692c(c)) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BONNEVILLE COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject:Notice toCeaseAllCommunicationRegardingAllegedDebt15U.S.C.1692c(c) Dear Bonneville Collections, Iamwritinginregardtoyourcommunicationsaboutanallegeddebtreferencedas[accountnumberifknown]. Pursuantto15U.S.C.1692c(c)oftheFairDebtCollectionPracticesAct,Iherebydemandthat youceaseallcommunicationwithmeaboutthisaccountimmediately. Youmaycontactmeonlyforthefollowingpurposes,aspermittedbylaw: 1.Toconfirmthatyouwillnolongercommunicatewithme;or 2.Tonotifymeofspecificlegalactionyouactuallyintendtotakeinconnectionwiththedebt. AnyfurthercontactbeyondtheseexceptionswillbeconsideredaviolationoftheFDCPAandmaybereportedtotheConsumerFinancialProtectionBureau,theFederalTradeCommission,andthestateAttorneyGeneralsoffice. Pleasenotethatthisceaseanddesistrequest doesnotconstituteanacknowledgmentof liabilityfortheallegeddebt. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-10-29 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:
I'm in disagreement with the accounts listed below which still appear on my credit reports, even after your investigation. I would like these items immediately re-investigated for accuracy in all 3 bureaus. These inaccuracies are highly injurious to my credit score. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified these accounts above so I may follow up. Please send me an updated copy of my credit report after your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Mortgage loan to refinance a reverse mortgage on my deceased mothers home on XX/XX/year>. I was contacted by XXXX XXXX ( XXXX ID # XXXX ) regarding my application. I informed XXXX XXXX the home was currently in a reverse mortgage and my mother whose name is the only name on the loan and deed has passed away. I wanted to refinance the home into my name as the bank has demanded payment in full. She was also informed I was waiting on the court ( XXXX XXXX ) to issue an administrative order. She informed me of the documents needed and that she would note the account of the reverse mortgage and me not being able to provide proof of homeowners insurance in my name. She said dont worry about that right now. I proceeded with the loan application expecting to receive a decision from the bank. The documents requested from the bank were provided in person at the XXXX XXXX, FL branch to scan in and via their online portal. There were emails and phone calls back and forth. On Monday, XX/XX/year>, I called XXXX XXXX and left her a voicemail message regarding documentation I submitted and still being asked for and the homeowners insurance she told me not to worry about. On Tuesday, XX/XX/year>, I called XXXX XXXX at XXXX to follow up about my message and the tasks still listed for me to complete in the portal. I had completed all tasks with the exception of the homeowners insurance. I can not get a current policy in my name. Currently, there is a homeowners insurance policy on the property in my mothers name. I informed her of this and she proceeded to be rude and speak to me in a condescending way. She told me to call the insurance company and just have my name added to the policy because the loan could not close without it. She then told me why the homeowners policy was needed, what it does and she has being doing this for 40 years. I am a current homeowner with over {$1.00} XXXX in assets. I have been a homeowner for well over 25 years ) and have no legal authority to make any changes to my mothers policy. I informed her of this. She stated she was going to check with the loan processor and get back with me as soon as she received a response. The calls were recorded. Instead she canceled my loan application without any response, explanation or email. I learned of the cancellation when I logged into the Fifth Third portal to check on the status of tasks today. Horrible customer service and no integrity as the company states on its website as their reputation for integrity is their most valuable asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: ID

Complaint narrative:
Would you please confirm this? It looks late and might not be right.

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 2025-10-29 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: DC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously disputed several inaccurate and unverifiable accounts with this credit bureau in writing. I attached supporting documentation and requested proper verification under the Fair Credit Reporting Act ( FCRA 611 ). Despite this, the bureau verified certain accounts without providing proof or identifying the furnishers verification source. 

This response is inconsistent with the actions of the other credit bureaus, which deleted the same accounts after review. The bureaus current reporting remains incomplete and inaccurate, causing harm to my credit profile. 

I have attached my original dispute letters, responses, and current report updates showing which accounts were deleted and which remain. I am requesting deletion of all unverifiable accounts and a written explanation of how each item was verified.

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