vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
On [ approximate date, e.g., XX/XX/year>2025 ], I attempted to make a payment on my credit card balance through the company 's app. The app only provided an option to link a bank account via Plaid or manually enter routing and account numbers for ACH transfer. My available bank account with funds is not supported by XXXX, and I do not have routing/account details readily available for manual entry in a way that works for payment. 
I contacted customer support via email to request alternative payment methods, such as using a debit or credit card, which I have used successfully with other credit card companies. In my email, I explained the limitation and noted that I have never encountered a credit card issuer that does not accept debit or credit cards for bill payments. Support responded by apologizing for the inconvenience and instructing me to log out of the app, ensure it was updated, log back in, and send a screenshot of the menu page. They did not address or offer any alternative payment options beyond the bank account linkage. 
This exchange repeated multiple times, with the same generic troubleshooting steps provided, but no resolution to allow payment via debit/credit card or other means. As a result, I have been unable to pay my bill, which may lead to late fees or credit reporting issues despite my efforts to resolve it. 
Attached are the email threads with support and screenshots of the app 's payment interface showing the limited options. I believe this violates federal requirements for reasonable payment methods under consumer protection laws, as it restricts access for customers without compatible bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was given an American express giftcard with {$30.00} on it and every time i try to buy something it will not let me and on the amex website it keeps saying the purchase was declined. The purchase is less than the amount on the card and all of the information i put is correct so i dont see the problem and customer support did nothing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attachment

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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was trying to buy a house and i saw i had damaging information on my credit report thAT didnt get fix. According to 15 uSC 1681 DEFORMATION to my character.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after several unsuccessful attempts to have you reinvestigate these accounts. Despite my previous disputes, these accounts remain inaccurately reported and continue to damage my creditworthiness.

According to 15 U.S.C. 1681i ( 5 ), TransUnion is required to modify, delete, or permanently block the reporting of inaccurate or unverifiable information. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) clearly states : 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. 
The following accounts are in violation of these provisions : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment history/rating is inaccurate for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  Issue : XXXX XXXX The payment history/rating is inaccurately reported for XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue XXXX XXXX XXXX  The payment history/rating is incorrect. The reported amounts, other than balance and/or past due, are inaccurate, and the account dates are incorrect. 

These inaccuracies violate my federally protected rights to accurate reporting, privacy, and confidentiality.

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 2025-08-02 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: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Makes Cents, Inc. dba Advance.Cash
State: KS

Complaint narrative:
On XX/XX/year>, I sent an email to the Advance.Cash customer support email revoking my ACH authorization. 

On XX/XX/year>, I received a response from Advance.Cash advising the ACH authorization had been revoked. 

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, withdrawals continued in the amount of {$270.00} per transaction. 

On XX/XX/year>, I sent a second email to Advance.Cash, again revoking ACH authorization, and I spoke with at least two different representatives on the phone, who confirmed receipt of the first revocation and receipt of the second revocation. I have not received confirmation of this second attempt to revoke ACH authorization. 

Also on XX/XX/year>, I notified my banking institution, XXXX, of the unauthorized charges and opened a dispute. I also requested stop payment for any further collection attempts, the next of which is scheduled for XX/XX/year>. XXXX has since credited back 4 of the 6 transactions, as well as numerous overdraft fees incurred due to these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IN

Complaint narrative:
My credit report contains a XXXX XXXX bankruptcy public record and multiple Included in Bankruptcy ( XXXX  ) accounts that are being incorrectly associated with me due to a name mismatch. The bankruptcy, Case # XXXX, was filed under XXXX XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX, and all of my legal ID, address, and banking documents reflect that full legal name. The CRAs have no legal basis to assume " XXXX XXXX XXXX '' is the same as " XXXX XXXX XXXX '' without matching full name, address, or SSN documentation which they do not have. This is a clear violation of FCRA 607 ( b ). 

Despite submitting multiple identity verification documents, the CRAs continue to associate this public record and its related accounts with me inaccurately.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. They are also reporting inaccurate accounts on my credit reports, with late payments, inaccurate balances, and monthly payments. I also wasn't notified with payments and plans until l looked on my credit report and saw a 90 day late payment with no prior 30 or 60 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 non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
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 Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( XXXX ) : Unable to verify employment Your Right to Get Your Consumer Report In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agencies. It can be obtained by contacting :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Experience has failed to fulfill its legal obligation under the fair credit act ( FCRA ) to conduct reasonable investigation and disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFPB ) has recently found a lawsuit against Experian alleging, systemic issues, failing to forward, consumer provided evidence to furnishes accepting unreliable responses in fairly to adequately notify consumers of dispute out outcomes these failures align with my experience we are experiencing has neither corrected or removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove in a man that disputed accounts has experience inactions, violate federal law in my rights as a consumer

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 2025-08-02 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:
Experian reinserted a previously deleted account from XXXX XXXX XXXX ( Account # ending in XXXX ) into my credit report without notifying me within 5 business days, as required by FCRA 611 ( a ) ( 5 ) ( B ). This account had been previously removed, and I received no written notice or supporting documentation about its reinsertion.

I am requesting immediate removal of the account or full documentation proving that proper reinsertion procedures were followed. Please review the attached dispute letter, ID, and credit report extract.

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 2025-08-03 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: AL

Complaint narrative:
as of recently, I had a credit check and discovered fraudulent accounts on my credit report that were not done by me. After research I discovered my personal information and social security number was stolen to acquire these fraudulent accounts, XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX {$780.00}, XXXX  {$5600.00}, XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Several unauthorized hard inquires XXXX XXXX ( x2 ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
This account was put into a repossession status on the following date XX/XX/year> but shows a difference in account XX/XX/year>. Since then the account has repeatedly been improperly updated. This is an update in the payment history that is inaccurate. A repossession on your credit account should not show an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have thus failed to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights and now i am demanding a deletion of the following account : Accounts Name : 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to you in response to a [ call/letter/email ] I received from your company on [ insert date of first contact ]. Please be advised that this is not a refusal to pay, but a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Under the FDCPA, I have the right to request that you provide proper validation of this debt. Please send me the following information : - The name and address of the original creditor ; - The full amount of the alleged debt, including a breakdown of any fees or interest ; - Documentation that proves I am legally obligated to pay this debt ; - A copy of the original signed agreement or contract, if applicable ; Verification that your agency is licensed to collect debts in my state, and your license number.

Until you provide this information, you are required by law to cease all collection activities, including reporting to credit bureaus, calling, or sending letters.

If you do not validate this debt, or fail to respond within 30 days, you must immediately remove any related listings from my credit report and cease further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: AL

Complaint narrative:
in XX/XX/year>, I discovered that my information have been compromised and I fell victim to third parties having exposure to my personal information and social security number. There are XXXX fraudulent accounts on my credit report. XXXX {$7200.00}, XXXX XXXX {$1600.00}, XXXX XXXX XXXXXXXX {$540.00}, XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
The interest rates this company offers seem predatory. I applied for a vehicle loan through a dealership and Regional Acceptance was the financial institution to approve me. The interest rate is 22 %. The vehicle values at approximately {$14000.00}. The total amount of the loan was approximately {$25000.00} at the time of approval. That is almost {$10000.00} I am paying in interest to this company. 

This company is making money off of people who may be in desperate situations or may not have strong financial literacy skills. If I knew what I know now, I would not have used this company to purchase this car.

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