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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 1 ) DEPT OF EDXXXX  Amount : {$2900.00} Date Opened:XXXX 2 ) DEPT OF ED/XXXX Amount : {$140.00} Date Opened:XXXX 3 ) DEPT OF ED/XXXX  Amount : {$2100.00} Date Opened:XXXX 4 ) DEPT OF EDXXXX Amount : {$2800.00} Date Opened:XXXX Incorrect names listed : 1 ) XXXX XXXX Incorrect addresses listed 1 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 6 ) XXXX XXXX CT XXXXXXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX  CARD 2 ) 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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
I obtained an installment loan from Bright Lending. The APR is extremely high, and I am concerned that the company did not provide the required disclosures under the Truth in Lending Act ( TILA ). When I contacted Bright Lending to dispute the loan terms, the company sent back canned template responses claiming that state law does not apply to them but did not address my questions or provide the required information.

Bright Lending also sent a payment reminder after I raised concerns and attempted to dispute the legality and cost of the loan. I believe this behavior may violate federal consumer-protection laws, including unfair or deceptive acts or practices ( UDAAP ), because they did not provide clear disclosures and did not meaningfully address my concerns. 

I am requesting CFPB assistance obtaining full loan documentation, a proper response to my dispute, and assurance that Bright Lending is complying with federal requirements under TILA and UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/year>, an unathorized furniture purchase waa made using my Synchrony Bank Home account. I did not place this order, authorize it, or receive any mechandise. When i disputed the charge with XXXX, they stated that the merchant provided proof of delivery. 
Synchrony provided me with order details that clearly show that the purchase was made using a fraudulent addresa that does not belong to me. The merchandise was shipped to an adresa in Indiana and the delivery photo shows a home in XXXX. At the time of purchase I lived in XXXX XXXX XXXX  moved to XXXX XXXX in XX/XX/year>. I have never lived, worked, traveled, or shipped any items to XXXX.Provibg the transaction was made bu someone else using my name. I have been disputing the charge with Synchrony since XXXX, but the dispute has repeatedly been denied despite the clear evidence

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: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TekCollect Inc.
State: GA

Complaint narrative:
I am writing to dispute the above-referenced account currently appearing on my credit report. This debt is invalid and should be removed immediately under the Fair Credit Reporting Act ( FCRA ) because the creditor, XXXX, failed to provide the contracted services and formally terminated my treatment without completion. 

I am attaching/emailing copies of official emails sent directly to me by XXXX. These communications clearly confirm : XXXX. XXXX shut down all dental operations on XX/XX/year>. 

Their email states that XXXX made the incredibly difficult decision to wind down its global operations as of XX/XX/year> all dental practice operations through the XXXX platform were no longer available as of that date. 

XXXX. My treating doctor was no longer able to provide treatment. 

Their notice states : Your treating doctor has not been able to provide you with treatment through the XXXX platform as of that date. 

This means XXXX ended my treatment mid-course and did not fulfill the services I was billed for. 

XXXX. I was not given access to medical care, consultation, or continuation of treatment. 

XXXX confirmed that my doctor could not continue care and that the telehealth platform was shut down, effectively ending my treatment without completion or proper medical transition. 

XXXX. The company entered bankruptcy and instructed stakeholders to file claims. 

In a separate communication dated XX/XX/year>, XXXX stated that they filed for XXXX  XXXX bankruptcy and that all stakeholders needed to submit claims by a Bar Datefurther proof that the company was not operational and unable to provide services. 

Why this debt is invalid under the FCRA and Consumer Protection Laws : XXXX did not deliver the service I was billed for. 
The company unilaterally canceled my treatment, making the contract impossible to fulfill. 
I was denied access to the doctor, consultation, and completion of careservices I paid for. 
A company can not legally report a debt for services not rendered or unable to be provided. 
Any attempt to collect on an incomplete or undelivered medical service is considered billing fraud and violates FCRA accuracy requirements. 

Requested Action Under FCRA 602 ( A ) and 611, I am requesting : XXXX. A full investigation of this account. 
XXXX. Removal of the XXXX account from my credit report. 
XXXX. Written confirmation that the account has been deleted. 

Because the creditor terminated services, closed operations, and left treatment incomplete, this debt is not valid, not collectible, and can not be accurately reported on my credit file. 

Thank you for your prompt attention. I expect your response within the XXXX investigation period as required by law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute this inquiry as it was created fraudulently.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: CO

Complaint narrative:
I had asked my friend to send me {$15.00} for gas because I was stuck at a gas station and they sent it via cash app. Cashapp immediately locked my account saying they would have to hold the money for 48 hours before releasing it, citing suspicious activity. How is a single {$15.00} transfer suspicious? I asked to speak with a supervisor because I was still stuck at the gas station, and they were unable to provide that. Mind you, I've already ID verified and this account has been aged for several years with zero problems like this, especially during time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
Cash Express caused significant financial harm by repeatedly attempting unauthorized ACH withdrawals after I revoked authorization in writing. On XX/XX/XXXX, I submitted a written revocation of ACH authorization. Despite this, they continued collection activity and ultimately pushed the debit through on XX/XX/XXXX, which I did not authorize. 

Throughout the month, I requested email communication due to XXXX on XX/XX/XXXX, XXXX, and XXXX, so we could discuss my payment electronically. Cash Express refused to honor this XXXX accommodation and instead continued calling me multiple times a day, even after I said I could not communicate by phone or come into the store due to medical limitations.

Cash Express also gave inconsistent and conflicting information about amounts and dates, and they attempted withdrawals that did not match anything I agreed to. Their continued withdrawal attempts after revocation caused overdraft fees and significant emotional and financial stress. 

Overall, Cash Express ignored my written revocation, ignored XXXX XXXXprotected electronic communication requests, continued aggressive phone contact, and processed an unauthorized debit on XX/XX/XXXX despite clear instruction not to. Their actions violated my rights and caused direct financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TN

Complaint narrative:
I am filing this complaint due to ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by the above-named companies. 
Despite multiple written disputes, these companies have continued to report materially false and misleading credit information, including : Past-due balances reported after charge-offs Re-aging of charged-off and repossessed auto loans Reporting balances without auction proceeds or deficiency calculations Reporting collection accounts without proof of ownership or validation Verifying disputed accounts without reviewing underlying documentation These inaccurate tradelines directly caused multiple auto loan denials, including documented denials from XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX my credit score was disclosed as XXXX and denials cited delinquent accounts and collections. 
XXXX & XXXX XXXX  ( CRITICAL ) As a direct result of being denied reliable transportation due to these inaccurate credit reports, I suffered documented medical and financial harm. 
I am currently under physician care for symptomatic XXXX, confirmed by a letter from XXXX XXXX for XXXX XXXX, which states that my condition caused : Missed work Reduced income Extensive medical appointments Difficulty maintaining regular attendance at work The inability to secure transportation due to these credit denials : Forced reliance on ride-share transportation Caused missed medical appointments Delayed treatment Exacerbated my medical condition This establishes actual damages, not speculative harm. 
LAWS VIOLATED 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct reasonable reinvestigations 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnishing inaccurate information after notice 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance 15 U.S.C. 1692e & 1692g ( XXXX ) False and misleading collection activity UCC Article 9 Failure to provide post-repossession accounting

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint due to ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by the above-named companies. 
Despite multiple written disputes, these companies have continued to report materially false and misleading credit information, including : Past-due balances reported after charge-offs Re-aging of charged-off and repossessed auto loans Reporting balances without auction proceeds or deficiency calculations Reporting collection accounts without proof of ownership or validation Verifying disputed accounts without reviewing underlying documentation These inaccurate tradelines directly caused multiple auto loan denials, including documented denials from XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX my credit score was disclosed as XXXX and denials cited delinquent accounts and collections. 
XXXX & XXXX XXXX  ( CRITICAL ) As a direct result of being denied reliable transportation due to these inaccurate credit reports, I suffered documented medical and financial harm. 
I am currently under physician care for symptomatic XXXX, confirmed by a letter from XXXX XXXX for XXXX XXXX, which states that my condition caused : Missed work Reduced income Extensive medical appointments Difficulty maintaining regular attendance at work The inability to secure transportation due to these credit denials : Forced reliance on ride-share transportation Caused missed medical appointments Delayed treatment Exacerbated my medical condition This establishes actual damages, not speculative harm. 
LAWS VIOLATED 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct reasonable reinvestigations 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnishing inaccurate information after notice 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance 15 U.S.C. 1692e & 1692g ( XXXX ) False and misleading collection activity UCC Article 9 Failure to provide post-repossession accounting

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
On XX/XX/year>, my Robinhood account was unexpectedly restricted after I filed a dispute related to a dangerous service I received. The dispute did not involve unauthorized card use or a debit card issue, but Robinhood immediately restricted my account without advance notice or an opportunity to transfer funds beforehand. I was not aware that filing a dispute would prevent me from accessing my available balance, especially since I have not filed a dispute in approximately two years.

As a result of this sudden restriction, I am unable to access my funds or determine whether upcoming deposits will be processed. This has created immediate financial hardship, as I urgently need access to my money for transportation, car expenses, and essential bills.

I contacted Robinhood XXXX XXXXt on XX/XX/year> to request information about the restriction, the status of deposits, and temporary access to my funds due to hardship. The agent stated that there was nothing he could do, refused to escalate the issue, and declined to connect me with a supervisor. I was told I would have to wait XXXX hours for a review without any escalation, hardship consideration, or alternative support. 
I am requesting urgent review, supervisory escalation, and temporary access to my funds while Robinhood completes its internal review. The restriction and refusal to escalate have caused financial hardship and left me without timely access to money needed for essential living expenses.

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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is reporting several collection accounts on my credit reports. On XX/XX/year>, I mailed a formal Debt Validation Request under FDCPA 809 ( b ) by certified mail. XXXX records show the letter was tendered for delivery on XX/XX/year>, starting the XXXX validation period. 

XXXX did not provide any legally required validation within the 30 days. They did not provide a contract, signed agreement, itemized accounting, or proof of ownership. Instead, they mailed generic form letters that do not meet the legal standard for validation. 

Despite failing to validate the debt, XXXX continues to report these accounts to Experian. This is a violation of FDCPA 809 ( b ), which requires a debt collector to cease collection activity including credit reporting until validation is provided. 

I am requesting that these accounts be investigated, and if the company can not provide proper validation, they should be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I called M & T bank MULTIPLE TIMES from Customer services, supervisors and management they ALL admitted theres more than {$1500.00} escrow over but all refused to release. I recently lost my job and have another in XXXX. I need the funds to pay my mortgage so I dont miss a payment they refused and kept telling me they will do it end of XXXX when they are ready even though lots of things change. Home taxes went down, home owners insurance also. My attorney advised report them they are suppose to do escrow analysis when you request it. I just need my money I paid to pay next payment and eat this XXXX. Thanks.

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