vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I set up weekly auto-pay for my Robinhood credit card to pull funds from my XXXX  XXXX XXXX account to pay off the full balance each week. On XX/XX/year>, while my balance was only {$80.00}, Robinhood pulled {$3500.00} from my XXXX account to pay off a balance that never existed. I contacted Robinhood about this, and they claimed the {$3500.00} was related to a previous dispute that should have been placed back into my account but wasnt due to a disconnection on their end. However, they did not provide any detailsno information about which transaction was disputed, whether it involved one charge or multiple, the transaction amount, or the vendor. After reviewing my full spending history on this credit card, I can confirm that I never initiated a dispute of {$3500.00}, and there are no incomplete or pending disputes on my account. Their explanation appears to be both unsubstantiated and unreasonable. 

I am requesting that Robinhood provide full details regarding the dispute they referenced, including : The disputed amount ; The vendors name ; The date and time of the transaction ; When the dispute was initiated and resolved ; Any records showing that the outcome was communicated to me by Robinhood. If this withdrawal was made in error, I expect Robinhood to refund the {$3500.00} to my account immediately. 

The 2 images I provided with this compliant submission show the {$3500.00} that was pulled from my XXXX account, while the balance on the credit card was {$80.00}. The other image was the response I received from Robinhood on the reason why this has happened. You can see that they didn't provide any detailed information about the despite they referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am disputing the accuracy and validity of the account reported by XXXX XXXX XXXX with a balance of {$60.00} and listed as charged off. This account contains multiple inconsistencies and reporting errors across Equifax, TransUnion, and Experian.

Inconsistent Reporting Across Bureaus : TransUnion reflects the account as closed and charged off but fails to provide consistent reporting of payment history and dates of last activity compared to Equifax and Experian.

Equifax reports 120+ days past due and Experian lists " Unpaid balance reported as a loss by credit grantor, '' but none of the bureaus offer sufficient detail or match each other on derogatory timelines. Payment History Discrepancies : The payment history shows varying dates of delinquency
( 30, 60, 90, 120, and 150 days late ) and includes reporting gaps ( marked " NR '' or not reported ) throughout the timeline, calling the data accuracy into question.

TransUnion shows no months marked late despite labeling the account charged off.

Equifax lists five months of escalating delinquencies, which appear duplicated or exaggerated without clear supporting information.

Potential FCRA Violations : The Fair Credit Reporting Act ( FCRA ) requires that furnishers of information provide data that is accurate, complete, and verifiable. This account appears to be reported with multiple inconsistencies and conflicting information, which may constitute a violation of 15 U.S.C. 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the accuracy and validity of the account reported by XXXX XXXX XXXX with a balance of {$60.00} and listed as charged off. This account contains multiple inconsistencies and reporting errors across Equifax, TransUnion, and Experian.

Inconsistent Reporting Across Bureaus : TransUnion reflects the account as closed and charged off but fails to provide consistent reporting of payment history and dates of last activity compared to Equifax and Experian.

Equifax reports 120+ days past due and Experian lists " Unpaid balance reported as a loss by credit grantor, '' but none of the bureaus offer sufficient detail or match each other on derogatory timelines. Payment History Discrepancies : The payment history shows varying dates of delinquency
( 30, 60, 90, 120, and 150 days late ) and includes reporting gaps ( marked " NR '' or not reported ) throughout the timeline, calling the data accuracy into question.

TransUnion shows no months marked late despite labeling the account charged off.

Equifax lists five months of escalating delinquencies, which appear duplicated or exaggerated without clear supporting information.

Potential FCRA Violations : The Fair Credit Reporting Act ( FCRA ) requires that furnishers of information provide data that is accurate, complete, and verifiable. This account appears to be reported with multiple inconsistencies and conflicting information, which may constitute a violation of 15 U.S.C. 1681s-2.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
my account from bridgecrest ( Account number : XXXX ) is showing closed on my experian account with a open balance of {$8900.00}, however when I spoke to them they are saying that the account was sold to XXXX on XX/XX/year> and they no longer have access to the account but yet they are still reporting it as a balance with bridgecrest which is holding me up when it comes to purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Synchrony Care Credit card that I have been paying down every month and on time. I am now almost under {$1100.00} from an original {$6000.00} ( due to several medical procedures ). I happen to check the statement this month and was astounded that they are charging me XXXX XXXX  interest????? OMG... that is obscene amount of interest on a customer that pays every month and on time. I am not going to approach Care Credit because I feel that this is something that needs to be addressed by CFPB. Since when can card credit card companies up their interest rates like that? Why are these interest rates not capped?? 
The last time I looked ( admittedly a couple of years ago ) it was around XXXX or maybe XXXX XXXX  My Synchrony XXXX XXXX is also at XXXX XXXX  and my balance is around {$900.00} and again I always pay on time. My XXXX XXXX is XXXX so I am not a complete financial failure. I also have these payments on autopay so I make sure never to be late. Please tell me this is a joke!!!

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00}

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am writing to formally dispute certain inaccurate and unauthorized items on my credit report as a result of a data breach that compromised my personal information. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting a thorough investigation and immediate removal of these fraudulent accounts from my credit report. 







I did not authorize or open these accounts and have reason to believe they are the result of identity theft. I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and taken steps to protect my credit, including placing a fraud alert and/or credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XXXX, I paid off my car loan with kia finance and was set to receive a refund of {$710.00} and {$210.00}. I have reached out multiple times regarding these refunds because I have not received them yet. I have been promised different dates by multiple agents and they have all fell through. Everytime I call, I am told something completely different. I have now been told it may take almost another month to receive them yet again.

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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC
State: NH

Complaint narrative:
- the mortgage was sold from XXXX Mortgage to XXXX XXXX in XX/XX/year>. 
- I was displaced from my home in XX/XX/year> and did NOT receive any information of this transfer ( no email, no paperless notification, no hardcopy mail, no phone call etc )- I was paying Roundpoint through XX/XX/year> without being notified and XXXX kept my payments until XX/XX/year>. 
- I finally was able to track down where my loan was sold ( in XX/XX/year> ) which was XXXX and at that point, my payments had registered as " late '' even though I was paying my mortgage to XXXX well before the monthly deadline. 
- When I called Roundpoint ( XXXX XXXX customer service ), they transferred the money back to my account for XXXX and XX/XX/year> ONLY and I paid the remaining $ XXXX in full to XXXX ( XX/XX/year> ) - Upon asking Roundpoint for correspondence and confirmation TO ME of this loan sale, they could not provide any insight if the mail was sent ( they said it was but couldn't confirm a day/address ), they could not provide a confirmation email ( they said it was sent but I have no trace of it and they're " weren't able to locate but they knew it was sent '' ) and never called me. 
- As someone who was NEVER late for a payment, they should have contacted me upon XXXX missing payments. 
- This is hurting my XXXX XXXX and potential to find a new home. I have never been late for a payment and this is holding me back when it seems like they error was on XXXX. 
- there are NO letters or emails to attach, no scanned mailers because they were not sent. I can however include bank statements and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Americas Car-Mart, Inc.
State: FL

Complaint narrative:
Boyfriend bought a truck and then returned it in two weeks as the truck had issues. I was a joint signer on the account. They then said he was in dafult for {$2100.00} and this has been on my credit for over 9 years and this account does not belong to me and I never made any payments on this vehicle nor did I drive it. I repeatedly called the company asking them to take this off my credit and they will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I signed up while booking on XXXX XXXX for a promotional credit card offer for new cardmembers on the AAdvantage Citi card. I was told there was a {$200.00} statement credit plus XXXX bonus miles making the statement after purchase {$950.00} ( {$1100.00} for my flight minus the card statement credit of {$200.00} ). 

I called the company while I was filling out the application for the card to see how the {$200.00} statement credit was given and they said it would show up on my first credit card statement. I applied for this card and received my congratulations you've been approved. 
I booked my flight and then when the actual card came I logged on to see my statement. No {$200.00} credit or XXXX bonus miles in my account. Upon doing both an on line chat as well as a phone call I was told that credit doesn't apply to the card and there is a new " offer '' that had no credit and very few bonus miles. I was also told there is nothing they can do about it. I stated this is fraud and they said they couldn't help.

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 2025-04-08 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
In XX/XX/year> the original creditor ( XXXX XXXX ) arranged for third-party transportation of my vehicle to a repair facility. During transportation of the vehicle, it sustained extensive damages which deemed the vehicle inoperable requiring extensive repairs. The third-party representative denied damaging the vehicle and XXXX XXXX  attempted to file a claim against my insurance company to cover the damages. It was found that there was no responsibility of my insurance coverage to cover the damages that occurred from the third-parties actions. The vehicle remained in possession of XXXX XXXX who then listed the vehicle as repossessed and sold the vehicle below fair market value resulting in a negative debt that I am requesting removal of liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Mutual Management Services LLC
State: GA

Complaint narrative:
I specifically asked for my original contract with my wet ink signature or any documentation with consent to prove ownership of this XXXX did not complete an investigation. This is costing me my reputation and damages leading up to getting denials. Also this debt shows sold to another company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights and inaccuracy. 15 U.S.C. 1681 Section 602 A. states, I have rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written ; 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 INFORMATION, OTHER THAN REOCRDS OF CONVICTIONS OF CRIME WHICH ANTEDATES REPORT BYT MORE THAN SEVEN YEARS.

15 U.SC. 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 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 2025-04-08 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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