vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/scrub>, 2025, I, XXXX XXXX, loaned a merchant, XXXX XXXX XXXX XXXXXXXX, the amount of {$3200.00} using my credit card at the merchants recommendation. The merchant signed a written agreement promising to repay the amount by XX/XX/scrub>, 2025. The {$3200.00} had not been refunded to my account as promised, and I attempted to resolve this issue personally with the merchant over the next 4 weeks. 

By XX/XX/year>2025, the merchant stated that they attempted to refund the money to my credit card, but that their point-of-sale provider was experiencing issues communicating with my card issuer, Robinhood. In an effort to resolve the matter amicably, I filed a billing dispute with Robinhood so that the credit card company and the merchants point-of-sale provider could work together to resolve the refund.

During the 90-day investigation period, Robinhood contacted me three times requesting testimony, a copy of the signed contract, images documenting the attempted refund, and other supporting details. I provided all requested materials promptly. 

On XXXX XXXX, 2025, Robinhood notified me that my dispute had been denied for lack of evidence. When I requested further information about the investigation, including the merchants response, a Robinhood representative explained that Robinhood had never contacted the merchant.

I believe that by denying my dispute without making any attempt to contact the merchant, Robinhood failed its legal duty under the Fair Credit Billing Act to conduct a reasonable investigation. As a result of this negligent mishandling, I have suffered further financial costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against Cash App regarding an unresolved fraud dispute ( Case # XXXX ). On XX/XX/year>, my account was taken over : an unauthorized login from Colorado was followed by my phone number being removed from the account, fraudulent XXXX charges attempted within minutes, and fraudulent support chat replies appearing as though written by me. I immediately secured the account with a remote logout. 

Cash App refunded XXXX of the fraudulent XXXX charges but denied the largest ( {$520.00} ), even though all three occurred under identical circumstances ( same timeframe, same Colorado origin, same compromised account ). At the time, I was verifiably in Minnesota, as proven by my flight itinerary and XXXX  receipt showing my Cash App XXXX billed locally that same day. I have attached my evidence packet, which includes the timeline, account security alerts, travel receipts, screenshots of the fraudulent chat, and Cash Apps inconsistent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
I was looking at my consumer reports and saw that my accounts were showing late on my credit report on XX/XX/year> credit reporting agencies are required by law to show accurate information please show verifiable proof I was late on XX/XX/year> if you can not please update to show paid on time and never late

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 2025-08-30 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: IL

Complaint narrative:
I was looking at my consumer reports and saw that my accounts were showing late on my credit report on XX/XX/year> credit reporting agencies are required by law to show accurate information please show verifiable proof I was late on XX/XX/year> if you can not please update to show paid on time and never late

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: IN

Complaint narrative:
am disputing the accuracy of a LendingPoint tradeline that appears on both my XXXX  and XXXX  credit reports. 

The tradeline is reporting contradictory and misleading information. It simultaneously shows : Charged off as bad debt Purchased by another lender Unpaid balance reported as a loss by credit grantor Sold to : XXXX XXXX Despite indicating the account was sold to another lender ( XXXX XXXX ), the tradeline continues to show an unpaid balance owed to LendingPoint. This is inaccurate and misleading because once a debt is sold, the original creditor should no longer report a balance due. 

This type of contradictory reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 1681e ( b ) : The duty to follow reasonable procedures to assure maximum possible accuracy of the information. 

1681i ( a ) : The duty to reinvestigate disputed information that is incomplete or inaccurate. 

The reporting creates the false impression that I still owe LendingPoint a balance when the account has been sold, which is damaging to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
My vehicle was repossessed with no sticker, door knock, phone call, or written notice. It was removed from my property without warning. I have been paying on this loan through XXXX XXXX for 7 years with only {$3100.00} left! Monday XX/XX/XXXX someone hooked up to my XXXX  and took it away due to being 90 days late on payments. I was late I have issues with my social security checks for a couple of months. I finally made a {$300.00} payment XX/XX/XXXX that was accepted. Apparently from the costumer service lady XXXX mailed me a letter XX/XX/XXXX stating their intentions to repo if I didn't pay the loan in full! 
I never received anything ever!! I looked on their online portal and there is nothing attached to my account! My loan was closed or given to collections stating Profit and loss write-off. On XX/XX/XXXX!! 
What is going on?? They are threatening to auction my car!! I sent the money the complete total through a wire transfer because I couldn't get to a bank to deposit money and now I'm s dated they won't give me car back! Over XXXX I've paid them to come steal from me!! That's how I see it at this point! Please help I have no idea what to do or how to go about these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citi updated their virtual account numbers on XX/XX/XXXX and invalidated all my account numbers without any notice to me. I only discovered the changes when trying to complete an online purchase. I would have soon discovered the changes when vendor bills started bouncing including my utility bill. 

I still haven't found any notice on their website of the changes or the new rules for using virtual numbers. I only found the information below by trial and error and in online newsgroups from people who still get paper statements and received a notice along with their statements. 

For years, Citis virtual cards offered excellent safeguards against fraud and gave customers meaningful control over how their accounts were used. That trust has now been undermined by the fact that these latest changes that limit functionality instead of enhancing it.

Here are the most troubling issues Ive encountered since the update : No real spending precision. Instead of entering an exact dollar amount, customers are forced to choose from pre-set limits of {$25.00}, {$50.00}, {$75.00}, {$100.00}, or {$300.00}. This blunt approach defeats the purpose of having true control over spending. 

Locked initial limit. Previously, cardholders could adjust a cards spending limit after creation if circumstances changed. Now the amount is fixed, which creates unnecessary headaches and security concerns. 

Expiration dates stripped of flexibility. The ability to set short-term expirations such as one month out was a vital way to prevent fraud. Now every virtual card defaults to a three-year cycle, automatically renewing, which leaves accounts far more exposed. 

No longer usable for recurring charges. With the new one-transaction-per-VAN/CVV/expiration combo rule, it is effectively impossible to keep a VAN on file for subscriptions or trusted merchants. This eliminates one of the main use cases for virtual cards. 

Collectively, these changes send the message that Citi is prioritizing merchant convenience over customer security and choice. And that is profoundly disappointing.

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 2025-08-30 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: NY

Complaint narrative:
This response does not address my complaint. I did not file a dispute about inaccurate accounts or tradelines. My concern is about unauthorized access, resale, and distribution of my personal data, which is a violation of my privacy rights and FCRA protections. 
To be clear : My credit report and personal identifying information were accessed and shared by companies and data brokers without my consent. 
This information has appeared on numerous background check and people-search websites despite my having placed freezes with all three credit bureaus. 
My safety has been affected, and I have received suspicious calls directly tied to this exposure. 
Equifaxs response treated my complaint as if I was disputing account accuracy, which is not the case. I am raising an issue of unauthorized collection and dissemination of sensitive consumer information, and Equifax has failed to address that. 
I am requesting a proper investigation into how my data was accessed and shared without consent, and what remedies Equifax is providing to prevent further unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/25, I made a cash advance withdrawal of {$100.00}. Discover reversed the {$10.00} ATM fee, but they have charged me a Cash Advance fee every month since the onetime cash advance. In XXXX, I was charged a cash advance fee of XXXX, in XXXX I was charged a cash advance fee of {$2.00} and now in XXXX I have been charged another cash advance fee of {$2.00}. I made XXXX cash advance, and I have been charged a cash advance fee 3 times, each being on the XXXX of the month. This is illegal to keep charging me every month for a 1-time transaction. It appears that Discover is attempting to recover the {$10.00} cash advance fee that their Agent reversed back in XXXX. 
Discover that they have ATMs with no fees, but they fail to disclose that those locations charge their own fees since they are not an ATM owned by Discover. Customers have to absorb that fee. Discover advertises fee free Cash Advances and that is false advertisement. 
Please investigate these rolling illegal monthly charges by this bank. This bank is always saying I am over limit, but they are padding my account with excess non warranted charges every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 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:
credit report is not accurate due to several inaccuracies with accounts

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
credit report is not accurate due to several inaccuracies with accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-31 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: NJ

Complaint narrative:
I am filing this complaint regarding a late payment that was reported by XXXX XXXX on my account ending in XXXX. 

Over the course of four months, I was charged a recurring membership fee of {$4.00} per month ( {$16.00} total ) for this account, even though I never used the card and was not made aware that such a fee existed. I did not knowingly authorize these recurring charges.

Because I never used this card, I had no reason to expect any bills. As a result, the account went unpaid for these small fees, and XXXX XXXX reported a late payment to the credit bureaus. I was never contacted by phone regarding the balance before the late mark was reported. I only discovered this issue after seeing the late payment strike on my credit report.

This single, hidden {$16.00} membership charge has unfairly damaged my otherwise perfect credit history and dropped my score significantly. This reporting does not accurately reflect my creditworthiness.

I am requesting that XXXX XXXX r

emove the late payment from my credit reports with XXXX XXXX, and TransUnion as a goodwill adjustment and to correct this unfair and disproportionate reporting.

I respectfully ask the CFPB to assist me in resolving this matter quickly.

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 2025-08-31 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: NJ

Complaint narrative:
I am filing this complaint regarding a late payment that was reported by XXXX XXXX on my account ending in XXXX. 

Over the course of four months, I was charged a recurring membership fee of {$4.00} per month ( {$16.00} total ) for this account, even though I never used the card and was not made aware that such a fee existed. I did not knowingly authorize these recurring charges.

Because I never used this card, I had no reason to expect any bills. As a result, the account went unpaid for these small fees, and XXXX XXXX reported a late payment to the credit bureaus. I was never contacted by phone regarding the balance before the late mark was reported. I only discovered this issue after seeing the late payment strike on my credit report.

This single, hidden {$16.00} membership charge has unfairly damaged my otherwise perfect credit history and dropped my score significantly. This reporting does not accurately reflect my creditworthiness.

I am requesting that XXXX XXXX remove the late payment from my credit reports with XXXX, Equifax, and XXXX  as a goodwill adjustment and to correct this unfair and disproportionate reporting. 

I respectfully ask the CFPB to assist me in resolving this matter quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding a late payment that was reported by XXXX XXXX on my account ending in XXXX. 

Over the course of four months, I was charged a recurring membership fee of {$4.00} per month ( {$16.00} total ) for this account, even though I never used the card and was not made aware that such a fee existed. I did not knowingly authorize these recurring charges. 

Because I never used this card, I had no reason to expect any bills. As a result, the account went unpaid for these small fees, and XXXX XXXX reported a late payment to the credit bureaus. I was never contacted by phone regarding the balance before the late mark was reported. I only discovered this issue after seeing the late payment strike on my credit report. 

This single, hidden {$16.00} membership charge has unfairly damaged my otherwise perfect credit history and dropped my score significantly. This reporting does not accurately reflect my creditworthiness. 

I am requesting that XXXX XXXX remove the late payment from my credit reports with XXXX, Equifax, and XXXX  as a goodwill adjustment and to correct this unfair and disproportionate reporting. 

I respectfully ask the CFPB to assist me in resolving this matter quickly.

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 2025-08-31 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: ND

Complaint narrative:
In XX/XX/XXXX, I discovered that I was a victim of identity theft. A fraudulent auto loan was opened in my name with XXXX XXXX XXXX ( Account # XXXX ) for approximately {$54000.00}. This account was not authorized by me and appeared on my credit report. I reported the fraud to the FTC ( Report # XXXX, filed on XX/XX/XXXX ) and began the dispute process. 

In addition to the fraudulent XXXX XXXX XXXX loan, there are multiple inaccurate and unauthorized accounts and notations still appearing on my credit file, including : XXXX XXXX auto loan accounts reporting inaccurate payment histories and derogatory data. 
XXXX revolving account marked as charged-off with unverifiable reporting. 
XXXX XXXX collection for {$56.00} with conflicting dates. 

There are also unauthorized hard inquiries on my reports, including from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), and several auto loan inquiries between XXXX XXXX. These inquiries were not authorized by me and lack permissible purpose under 15 U.S.C. 1681b.

I have formally disputed these accounts and inquiries with the credit bureaus under the FCRA, requesting that all fraudulent and unverifiable information be blocked and deleted. Verification is not validation, and the information remains inaccurate and harmful.

Despite my actions, these fraudulent and inaccurate items continue to appear on my credit reports, causing ongoing 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