vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I noticed a {$10.00} fee on my card, with the description : " XXXX XXXX XXXX XXXX ''. And no further information on what it was for. I assumed it was an error since I never used my card for any sort of cash advance or cash - like transaction. 
So I reached out to the company via email, as outlined in the cardmember agreement as the way to handle disputes, and notified them of the fee which was a mistake. 

The reply was prompt : " Your transaction with XXXX * XXXX on XX/XX/year> amounting to {$27.00} is considered a cash advance, and therefore was charged a {$10.00} fee. To learn more about how this is calculated, click here : XXXX XXXX XXXX 

I'd also like to add that transactions completed with apps such as XXXX, XXXX, and XXXX are generally considered cash advance transactions, and the cash advance limit will apply to these transactions. You can find more information on this, including your cash advance limit, in the app Help Center under ATMs, Cash Advances, and PIN. I hope this information is helpful. Please let me know if you have any additional questions. '' As you can see, they did not describe at all what they consider as cash advance, and XXXX, which is one of the worlds largest marketplaces to purchase merchandise, as well as XXXX, one of the worlds largest payment processors, is not coded by ANY OTHER credit card issuer as a cash advance, as that is absurd. 

Even after explaining to XXXX multiple times that I purchased goods and it is a misclassification, XXXX insisted on keeping the fee for " cash advance '' although it clearly was a purchase, not a cash advance, and no other issuer codes this as a cash advance. 

Important to note is that I read through the entire cardmember agreement, and nowhere is there clear guidelines on what they will consider a " cash-like transaction '' and add fees ( in my case 50 %!! ), which is obviously intended to be as ambiguous as possible to be able to maximize the fees they charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am filing a dispute regarding multiple accounts and inquiries listed on my credit reports with the three major credit bureaus : XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX, and TransUnion ( TU ). I believe these accounts contain errors and I am requesting a thorough investigation and correction of the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$810.00} LATE PAYMENTS XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I open a high yield account to XXXX on XXXX XXXX so I made a bank to bank transfer from Huntington bank to XXXX  using my online Huntington app. Huntington close my my high yield saving without notice on the XXXX of XXXX. On my XXXX XXXX account, XXXX XXXX took XXXX out of my acount on the XXXX. I contact XXXX XXXX  they stated the money was not refunded to them, so now none of the XXXX XXXXXXXX is giving me answer. Both bank cant located my acount. Please help. This is acount number Huntington my close high yield account number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

XXXX XXXX Accounts : None Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I get a phone call EVERYDAY from a no caller ID from Saks off fifth ave credit card. I get disturbed at work, these phone calls have woken me up out of my sleep. And they also call off random numbers even when I decline the call sometimes they call back 10 minutes later. I have logs of all of this. My husband even started to think I was having an affair because of the amount of NO cCALLER ID phone calls I get which was causing issues. This is harassment. Over XXXX dollars. This is unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Im trying to get a mortgage and the credit reports are not letting me resolve and remove closed and resolved accounts which is dragging my score down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Im trying to get a mortgage and the credit reports are not letting me resolve and remove closed and resolved accounts which is dragging my score down

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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am filing this complaint against National Credit Systems , Inc., XXXX, GA. 

- Account number : will provide - Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX, XXXX rental ) XXXX  facts : - - On XX/XX/XXXX I verbally offered XXXX representative XXXX XXXX XXXX ) a {$2000.00} lump-sum settlement. 
- On XX/XX/XXXX I followed up in writing ( email attached ) to XXXX formally disputing the debt under FDCPA 1692g and repeating the {$2000.00} settlement offer. 
- In that same XX/XX/XXXX email I requested full validation of the {$5000.00} ( now reported as {$4000.00} ) debt, including the original lease, chain of assignment, itemized charges, and proof of the claimed XXXX denial. 
- I simultaneously mailed a certified FDCPA validation request to XXXX XXXX XXXXXXXX, XXXX, GA XXXX ( expected delivery XX/XX/XXXX ). 
- As of today ( XXXX XXXX ) - more than 30 days later - National Credit Systems has provided XXXX response : no validation, no acknowledgment of my settlement offer, no phone calls, no letters, no emails. 
- I called again XX/XX/XXXX. no answer and left a message for XXXX - XXXX has never marked this tradeline as disputed on Experian, Equifax, or TransUnion. 
- XXXX continues to report the debt while ignoring my written dispute and settlement offer. 

FDCPA violations : - 1692g ( b ) Failure to cease collection and provide validation after written dispute - 1692e ( 8 ) Reporting credit information without communicating that the debt is disputed Supporting documents attached : XXXX. My XX/XX/XXXX email to XXXX ( contains dispute XXXX {$2000.00} offer ) XXXX. XX/XX/XXXX XXXX XXXX statement showing {$4700.00} XXXX assistance was approved ( balance should be ~ {$270.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: MN

Complaint narrative:
After initial email that the refund was processed and balance of the loan, I waited XXXX days and contacted them as to the status. They offered to escalate the request after I contacted them a XXXX time. 
I would at least like an explanation as to why they receive payoff of loan on XX/XX/XXXX and the refund is being delayed beyond the XXXX weeks of their receipt of payment. It is very unfair for Upgrade to require consumers to pay timely while they dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year> i went to XXXX to use my XXXXXXXX XXXX debit card to load {$500.00} on to my boyfriends Cash app card. The teller told me that the transaction went through but the money never showed up on his card. I called XXXXXXXX XXXX to stop the payment. They submitted a dispute and a provisional credit to my account. On XX/XX/XXXX after their investigation was complete they reversed the provisional credit saying that no error occurred, and overdrafted my account {$500.00}. As well as i am being charged {$20.00} dollars for being overdrafted. The last message I received from XXXXXXXX XXXX stated they are going to close my account and place me in check systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to serious breach of my personal information. My information was compromised without my authorization, which violate multiple federal laws designed to protect student records and personal privacy. Under the circumstances I request the immediate cancellation and discharge of my student loans debt in full, as my rights have been severely violated. Below is the key reason for my request, Violation of the Family Educational Rights and Privacy Act ( FERPA 'S ).

My student records were disclosed without consent, violating FERPA 'S strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization my privacy rights under federal law. Violation of the higher education Act ; as a student loan borrow my information should have been protected, but the mishandling of my data demonstrated a failure to uphold this legal protection. Breach of contract and negligence. The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

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 2025-11-17 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: SC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to serious breach of my personal information. My information was compromised without my authorization, which violate multiple federal laws designed to protect student records and personal privacy. Under the circumstances I request the immediate cancellation and discharge of my student loans debt in full, as my rights have been severely violated. Below is the key reason for my request, Violation of the Family Educational Rights and Privacy Act ( FERPA 'S ). 

My student records were disclosed without consent, violating FERPA 'S strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization my privacy rights under federal law. Violation of the higher education Act ; as a student loan borrow my information should have been protected, but the mishandling of my data demonstrated a failure to uphold this legal protection. Breach of contract and negligence. The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to serious breach of my personal information. My information was compromised without my authorization, which violate multiple federal laws designed to protect student records and personal privacy. Under the circumstances I request the immediate cancellation and discharge of my student loans debt in full, as my rights have been severely violated. Below is the key reason for my request, Violation of the Family Educational Rights and Privacy Act ( FERPA 'S ). 

My student records were disclosed without consent, violating FERPA 'S strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization my privacy rights under federal law. Violation of the higher education Act ; as a student loan borrow my information should have been protected, but the mishandling of my data demonstrated a failure to uphold this legal protection. Breach of contract and negligence. The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

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 2025-11-17 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: IL

Complaint narrative:
Complaint Description Experian is reporting my XXXXXXXX XXXX XXXX  incorrectly. There are XXXX separate entries on my Experian credit file for what is supposed to be XXXX XXXX  XXXXXXXX XXXX secured card account. The second account should never have been created, and this error has doubled my utilization and damaged my credit score. 

Here is what happened : XXXX transitioned my secured card from XXXXXXXX XXXX XXXX XXXXXXXX XXXX 

I should only have XXXX account reported the new XXXXXXXX XXXX account with my full payment history merged into it. 

Instead, Experian is reporting : A XXXX  secured card, and XXXX XXXX XXXX secured card, as if they are XXXX separate open credit lines, which they are not. 

XXXX XXXX confirmed to me that : When they switched banks, they added an unsecured increase onto my secured card, This upgrade process should have merged the history, But instead, it created XXXX files, both showing balances. 

Because Experian is reporting both, it is showing double the utilization the XXXX  utilization XXXX the XXXXXXXX XXXX  utilization even though there is only XXXX real credit line. 

I want to be clear : I do not want my payment history deleted I do not want the older XXXX history removed I want the accounts merged properly, so my full history reports under the correct current bank XXXX XXXX XXXX XXXX This is an accuracy failure under the FCRA. Experian is reporting successor accounts as if they are unrelated debts, which is false and financially damaging. 

The Harm Caused Because of Experians incorrect reporting : XXXX XXXX  utilization appears twice as high as it really is My score dropped XXXX XXXX  dropped I lost credit limit increase opportunities My creditworthiness is inaccurately represented I am being penalized for an internal reporting transition that should not harm consumers The Experian duplicate account is not reflecting the true status of my account, and the bureaus are required under FCRA 1681e ( b ) to maintain maximum possible 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 explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I enabled XXXX shortly after opening my Chase Sapphire credit card. During the XXXX setup process, the default selection was Minimum payment due. The interface did not provide any clear or conspicuous warning that choosing the default option would cause the account to continue accruing daily interest. The screen also did not disclose that selecting minimum payment would result in carrying a balance and incurring finance charges. 
The Payment definitions section within the same interface also did not mention interest accrual or any financial consequences of choosing the minimum-payment option. Because there was no clear disclosure, I reasonably believed that enabling XXXX would help avoid additional charges. 
As a result, I unknowingly incurred purchase interest for multiple billing cycles. I contacted customer service and later spoke with a supervisor. They confirmed that the interest was due to XXXX being set to minimum payment but declined to make any adjustments. 
I believe this issue involves potential problems with disclosure and default settings : Potential TILA / Regulation Z disclosure deficiency The interface did not clearly disclose that selecting minimum payment in XXXX would cause finance charges to accrue. Disclosure regarding a consumers financial obligation must be clear and conspicuous under Regulation Z. 
Potential UDAAP concern ( Unfair or Deceptive Acts or Practices ) The XXXX design places minimum payment as the default option without warning of the financial consequences. Presenting a default option that leads to continued interest accrual, without adequate disclosure, may be considered a misleading omission. 
Lack of clear warning for a material financial term Interest accrual from carrying a balance is a material finance term. The XXXX interface did not provide a warning that choosing minimum payment would result in interest charges, which may fail the reasonable-consumer standard.

I am not originally from the U.S. and did not have prior experience with U.S. credit card systems before coming here. Because of this, the XXXX default setting and lack of disclosure were not intuitive, and I relied on the interface to understand my obligations. 
I have attached screenshots showing the XXXX interface and the lack of clear disclosure.

Company response to consumer: Closed with explanation