vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On multiple occasions, I have made payments to the credit card. The application expressly states that the available credit has updated. However, back on the account screen, it clearly demonstrates that the available credit has not updated. Sometimes, the available credit updates for approximately 1 minute, and then reverts back and rescinds the update. This is demonstrated in images XXXX. A payment for {$340.00} is submitted and the available credit updates, then 1 minute later it is removed. In images XXXX, the payment has been canceled and resubmitted. The application clearly states that the available credit has been updated, yet immediately after it is clear that this is a lie. Being informed that the available credit has updated when it happens unfairly influences consumer spending and makes it difficult to perform future purchases and make future financial decisions. In previous attempts to communicate this unfair and deceptive statement to Robinhood, the concerns are brushed off and different information contrary to that displayed in the application is given ( image XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am submitting this complaint against TransUnion, XXXXXXXX XXXX and XXXX ( an XXXX company ) for multiple violations of the Fair Credit Reporting Act ( FCRA ). 



TransUnion is reporting a XXXXXXXX XXXX account with false, impossible, and outdated information. The tradeline lists a balance of {$13000.00} against a {$9000.00} credit limit, shows a future update date ( XX/XX/year> ), and even reflects an account year of 1969an impossibility. This violates FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ), as well as Metro 2 reporting standards. XXXX, as the furnisher, is responsible for knowingly supplying inaccurate data in violation of 1681s-2 ( b ). 



I also reference TransUnions XX/XX/year> data breach as evidence of their negligence in maintaining accurate and secure consumer data. Despite written disputes demanding validation, deletion, and documentation within 15 days, both entities continue to report false information. 



In addition, XXXX responded to my written dispute by refusing to provide my consumer disclosure in writing and directing me to call instead. This is a violation of FCRA 609 ( a ) and 611 ( a ). 



I request the CFPB to investigate these violations, order the permanent deletion of the XXXX tradeline and any other inaccurate records, and hold all parties accountable for noncompliance and willful disregard of the FCRA.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2025-11-03 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: LA

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: PA

Complaint narrative:
I borrowed {$50.00} through my cash app & when I payed back {$19.00} of it, it was never deducted from the balance. I tried repeatedly to resolve the issue through XXXX yet it never occurred, I just got a response that didn't help or resolve the matter & after asking to speak to someone else I was told there was nobody else other than email. I still owe approximately {$33.00} yet {$53.00} is consistently trying to withdraw these funds from multiple other accounts linked to the card. I have no issue paying what I owe, however, the amount being attempted to get from me is higher than what I actually owe. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TN

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate items on my credit report. The following accounts and inquiries are incorrect, and I request that these items be thoroughly investigated and corrected as necessary. If any of the information can not be verified, I ask that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX XXXX Account XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Dispute Reason : This account is incorrectly reported as charged off. Please verify and correct. 

XXXX XXXX XXXX XXXX WA Account XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Dispute Reason : This account is incorrectly reported as charged off. Please verify and correct. 

XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$2200.00} Dispute Reason : This account is inaccurately reported. Please verify the account status and correct the information. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX Dispute Reason : This inquiry is incorrect. Please verify and remove if unverified. 

XXXX XXXX  Date : XX/XX/XXXX Dispute Reason : This inquiry is incorrect. Please verify and remove if unverified. 

Positive Accounts : No positive accounts reported. 

Late Payments : XXXX Account XXXX XXXXXXXX Dispute Reason : This account has incorrect late payment entries. 

XXXX XXXXXXXX Account XXXX XXXXXXXX Dispute Reason : This account has incorrect late payment entries. 

XXXX XXXX Account XXXX XXXXXXXX Dispute Reason : This account has incorrect late payment entries.

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 2025-11-03 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: FL

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 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 2025-11-03 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: KS

Complaint narrative:
I respectfully request that the following accounts be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I requested that the XXXX bureaus update my legal name and address. They did not complete as they needed additional information which I am providing here.

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 2025-11-03 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I travel for work a lot in XXXX XXXX NC and I use cash to purchase items. For instance one county I work in doesnt have card pumps or fast food in their county. I have attempted multiple times to withdraw over XXXX dollars to cover my expenses, I do not live within an hour of a Navy Federal and they refuse to increase my daily withdraw amount. I usually need XXXX dollars per time I withdraw maybe once a month. But, they refuse to increase my limit. Plus, I have attempted to call multiple times and they have been extremely rude both times. 

They said they would increase my daily spending amount but not my withdraw amount. I explained that there are not a lot of card places, they said their policy will not allow them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am requesting that TransUnion reinvestigate my credit report to ensure all reported information is accurate. I am actively working to repair my credit and want my file to reflect only correct and verifiable information. 

Charged-Off Accounts in Dispute : XXXX XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX/XXXX  Account # XXXX, XX/XX/XXXX, {$0.00} XXXX BANK Account # XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX Account # XXXX XXXX XX/XX/XXXX, {$0.00} XXXX  XXXX Account # XXXX XXXX XX/XX/XXXX, {$0.00} Bankruptcy Account # XXXX, XX/XX/XXXX, {$0.00}

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
on XX/XX/XXXX I emailed XXXX XXXX with the wells fargo executive office, regarding a reoccurring payment from an account that I was told was frozen. In the email response XXXX stated she would review my account and follow up with me. The follow up simply stated that the account was closed. No reprecautions were given, and no notice of closures was given. But, upon logging into my account I found that the checking account ending in XXXX was completely erased from my banking platform. 
With this closure, both of my credit cards ( Autograph and cash advance ) were closed. Again without notice. All payments are current. When reviewing the credit accounts it states the cards were closed due to not being in good standing with wells fargo. 
Excessive attempts are continuing to be made to remain in good standing. Continued communication on my part continues. I have never been in bad standing with any financial institution. 
When I called and touched base with XXXX, she notified me that yes the accounts were closed, and pushed to collections. again, cards and accounts are in good standing. 
During the week of XXXX I received a phone call from wells fargo collection attempting to collect approx {$870.00}, which was the negative balance of the closed account. 

I want to emphasis that I was NEVER notified that all of these accounts would be closed, let alone pushed to collections. Because of these actions, but credit score dropped by XXXX points within the last month. 
When speaking with the representative for the account collections, I described my entire process and the lack of help and communication with wells fargo since XXXX XXXX XXXX The representative submitted a complaint on my behalf. I have attached communication regarding this matter

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am a consumer working to resolve discrepancies in my credit report and would like to dispute certain items. Below is a list of the accounts and inquiries in question, separated by each credit bureau. I kindly request that each bureau investigate and update my credit file accordingly. 
Charged Off Accounts in Dispute : XXXX  Account : XXXX Reported : XX/XX/year> Balance : {$9900.00} Dispute : The account is being reported incorrectly. Please investigate and correct the status. 

Inquiries in Dispute : No inquiries in dispute.

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 2025-11-03 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief