vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
On XX/XX/year>, I selected an option in the Robinhood credit card app that advertised a XXXX gold bar for XXXX reward points. The interface was highly confusing, and upon tapping the option, the app immediately charged {$1800.00} in cash and {$9.00} in reward cash instead of redeeming points. There was no clear or conspicuous warning that the purchase would withdraw money rather than use points. 

I contacted Robinhood support " within one minute '' of the transaction. The gold bar obviously " had not shipped '' at that time yet, Robinhood refused to cancel or refund the order. 

The {$1800.00} total price is approximately 4250 % higher than the market value of a XXXX gold bar on that date. This markup was not disclosed prior to purchase. The combination of confusing interface design, inadequate disclosures, and an accidental cash charge instead of a point redemption constitutes an unfair and deceptive practice under CFPB UDAAP standards. 

I made more than 100 attempts to request cancellation before shipment, but Robinhood repeatedly delayed responses. Their messages told me to wait because the issue was under review, but no action was ever taken. I believe the delay was intentional so the item would ship, allowing them to deny a refund. 

I received the gold bar on XX/XX/year>. I considered refusing delivery, but if the gold bar was lost in transit, I would forfeit the full amount. This left me with no safe option other than accepting delivery. 

I did not intend to authorize a cash purchase, only a point redemption. The transaction was caused by misleading design, lack of disclosure, and refusal to correct the issue when it was reported immediately. I am requesting CFPB assistance in securing a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
XXXX XXXX Reporting Incorrect Late Payments After Signed Extension Agreement I am filing a complaint against XXXX XXXX for reporting XXXX and XX/XX/XXXX late payments even though I had a signed extension ( deferral ) agreement dated XX/XX/XXXX. 

That agreement deferred my XXXX and XXXX payments to the end of the loan. 
Therefore, reporting XXXX and XX/XX/XXXX as late is factually incorrect and violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FCRA 607 ( b ) failing to maintain accurate records FCRA 623 ( a ) ( 2 ) failure to correct inaccurate data I provided the signed deferment agreement to XXXX XXXX and the credit bureaus, but the inaccurate late marks remain. 

Requested Resolution : I request correction of the XXXX XXXX account to show : Pays as agreed for XXXX and XX/XX/XXXX Removal of all inaccurate late notations

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 2025-11-22 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: CA

Complaint narrative:
XXXX XXXX Reporting Incorrect Late Payments After Signed Extension Agreement I am filing a complaint against XXXX XXXX for reporting XXXX and XX/XX/XXXX late payments even though I had a signed extension ( deferral ) agreement dated XX/XX/XXXX. 

That agreement deferred my XXXX and XXXX payments to the end of the loan. 
Therefore, reporting XXXX and XX/XX/XXXX as late is factually incorrect and violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FCRA 607 ( b ) failing to maintain accurate records FCRA 623 ( a ) ( 2 ) failure to correct inaccurate data I provided the signed deferment agreement to XXXX XXXX and the credit bureaus, but the inaccurate late marks remain. 

Requested Resolution : I request correction of the XXXX XXXX account to show : Pays as agreed for XXXX and XX/XX/XXXX Removal of all inaccurate late notations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
CFPB COMPLAINT XXXX XX/XX/XXXX ( XX/XX/XXXX XXXX FRAUD / PHANTOM DEBT ) Subject : XXXX XXXX Reporting Inaccurate, Fraudulent, and Unverifiable Debt ( XX/XX/XXXX XXXX ) I am filing a complaint against XXXX XXXX XXXX for reporting a fraudulent XX/XX/XXXX XXXX collection account that does not belong to me and does not match my actual XX/XX/XXXX XXXX credit history. 

XXXX is reporting : An alleged XX/XX/XXXX XXXX debt with a {$460.00} balance An open date of XX/XX/XXXX, which is impossible No Date of First Delinquency No closed date A completely different account number sequence No corresponding charge-off or delinquency from XX/XX/XXXX XXXX My real XX/XX/XXXX XXXX account on my credit report shows : Opened XX/XX/XXXX Closed XX/XX/XXXX {$0.00} balance No late payments Never charged off Never sold to collections Paid in full This proves the XX/XX/XXXX tradeline is not my account, and XXXX is reporting a phantom debt with no connection to my legitimate XX/XX/XXXX XXXX history. 

XXXX has never sent a validation notice, violating FDCPA 809 ( b ). 
XXXX has also failed to supply any documentation, contract, statements, charge-off records, or assignment documents proving this debt is mine. 

This reporting violates : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) failure to update incomplete/incorrect info FDCPA 807 ( 2 ) ( A ) misrepresenting the character of a debt FDCPA 809 ( b ) failure to validate before reporting Requested Resolution : I request immediate deletion of this XXXX XX/XX/XXXX tradeline from all credit bureaus due to fraud and failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
CFPB COMPLAINT XXXX XX/XX/XXXX ( XX/XX/XXXX XXXX FRAUD / PHANTOM DEBT ) Subject : XXXX XXXX Reporting Inaccurate, Fraudulent, and Unverifiable Debt ( XX/XX/XXXX XXXX ) I am filing a complaint against XXXX XXXX XXXX for reporting a fraudulent XX/XX/XXXX XXXX collection account that does not belong to me and does not match my actual XX/XX/XXXX XXXX credit history. 

XXXX is reporting : An alleged XX/XX/XXXX XXXX debt with a {$460.00} balance An open date of XX/XX/XXXX, which is impossible No Date of First Delinquency No closed date A completely different account number sequence No corresponding charge-off or delinquency from XX/XX/XXXX XXXX My real XX/XX/XXXX XXXX account on my credit report shows : Opened XX/XX/XXXX Closed XX/XX/XXXX {$0.00} balance No late payments Never charged off Never sold to collections Paid in full This proves the XX/XX/XXXX tradeline is not my account, and XXXX is reporting a phantom debt with no connection to my legitimate XX/XX/XXXX XXXX history. 

XXXX has never sent a validation notice, violating FDCPA 809 ( b ). 
XXXX has also failed to supply any documentation, contract, statements, charge-off records, or assignment documents proving this debt is mine. 

This reporting violates : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) failure to update incomplete/incorrect info FDCPA 807 ( 2 ) ( A ) misrepresenting the character of a debt FDCPA 809 ( b ) failure to validate before reporting Requested Resolution : I request immediate deletion of this XXXX XX/XX/XXXX tradeline from all credit bureaus due to fraud and failure to validate.

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint because Wells Fargo denied my unauthorized debit card fraud claim even though I did not make these transactions. 

Over {$600.00} in debit card transactions were made without my knowledge or permission. Wells Fargo denied my claim by saying that my PIN was used and that the physical card and device were used. This is incorrect. 

I do not have my card linked to any phone or device. I did not have my debit card, did not enter the PIN, and did not authorize or benefit from these transactions in any way.

As soon as I saw the fraudulent charges, I immediately reported the fraud to Wells Fargo. Instead of protecting me as required under Regulation E, they denied my claim without properly investigating. The reason they gave does not match the facts, because I did not use my phone, I did not use my PIN, and I did not make these transactions.

I am requesting that the CFPB require Wells Fargo to : 1. Reopen and reinvestigate my claim, 2. Provide all evidence used to deny my case, 3. Refund the over {$600.00} that was stolen from my account.

Wells Fargos denial is unfair and does not follow Regulation E requirements for unauthorized debit card transactions.

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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
This complaint is directed against Synchrony Bank as the issuer of the Venmo Credit Card regarding multiple instances of deceptive design ( Dark Patterns ) in the mobile app and unacceptable customer service. 
XXXX. Deceptive Payment Interface ( Dark Pattern ) : The Venmo app moved to intentionally obscure the manual " Make a Payment '' option for the credit card. The payment function is hidden behind the " Manage Autopay '' menu. This misleading user interface makes it difficult for a customer to quickly find and make a manual payment, which is an unfair practice that appears designed to encourage late payments and accrued interest. 
XXXX. Deceptive Product Enrollment ( XXXX XXXX ) : The app presents a forced, full-screen advertisement to sign up for the debit card. This pop-up has no obvious " Close '' or " No Thanks '' button, forcing the user to either accept the card or use their phone 's back button to close the window. This is a manipulative design intended to trick users into unwanted enrollment. 
XXXX. Customer Service Failure : On or around XX/XX/year>, I contacted the Venmo Credit Card customer service via chat ( which was difficult to get a real person to chat with ) to report the difficulty with the payment button. The representative was unhelpful and dismissive, suggesting an irrational solution ( e.g., " uninstall the app '' ) and was unresponsive during the chat, failing to provide competent assistance or acknowledge the valid complaint regarding the app 's deceptive design.

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 2025-11-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have attempted multiple times to contact the credit reporting agencies, to provide proof of accounts they are claiming I have. I have yet to receive any proof, and accounts have yet to be fixed. I have attached an example of what I have sent in the past. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nevada XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Dispute of Collection Account Account : XXXX XXXX XXXX To Whom It May Concern, I am disputing the accuracy of the XXXX XXXX collection account appearing on my credit report. I do not believe the information being reported is accurate or fully substantiated. Under the FCRA, please investigate and verify this account. If the collection agency can not provide proper validation, such as proof of ownership, balance accuracy, and itemized charges, please remove this account from my credit file. Please provide written confirmation of your findings. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> at XXXX, I received a call from XXXX that showed as " AMERICAN EXPRESS XXXX while I was at work. I didn't answer the first time but did answer when they called back a second time. The female on the call knew my first and last name and told me that they were from American Express and had just declined a purchase in New York for a charge made on a credit card account ending in some numbers I did not recognize that was recently opened, under my name, for a large suspicious charge at XXXX. I told them that I don't recognize that card number and I haven't applied for any new cards at all through American Express or any other account. I did answer a few questions that didn't ask for personal information ( like, did I open an account?, did I lose any of my IDs or passport recently?, etc. ). I kept getting disconnected as It was hard to hear details of the potential fraud- they told me that the account was opened on XX/XX/XXXX and the charges happened on XX/XX/XXXX. They asked if I was in New York those days. I said yes.. but actually, I went out of town on XX/XX/XXXX so I was NOT in New York XXXX I went internationally on a buiness trip. She kept agreeing that this was concerning- as I was asking many questions about the card, when/ where this was happening etc as I was concerned about my credit etc. The line kept breaking up - barely able to hear anything- which started to feel a bit suspicious. They kept calling back after every phone call as THEIR line kept breaking up. After XXXX more times of getting disconnected, I didn't hear back ( the caller ID said it was American Express XXXX XXXX And also found that suspicious that suddenly this urgent fraud phone call wasn't urgent anymore... 

I called the customer service on my American Express card and told them the number that called me- which indeed was the Fraud Department, which was concerning. However, I spoke to a representative that confirmed that I didn't have any flags or fraud charges active on my American Express account. I'm glad there were no other charges or accounts open in my name, but I'm still worried that my information is out there and they will still be phishing for more information. Also American Express says they wouldn't call without an e-mail or text alert first -- and that they would never call more than XXXX. In retrospect, I can see that it was a scam now- but during the time of a sudden phone call when you're trying to recollect and process, you're not thinking about it as a scam right away especially when a concerning-sounding lady from AMEX XXXX XXXX XXXX XXXX you..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
I am submitting this formal complaint to dispute several inaccuracies on my credit report that are adversely affecting my credit score and financial opportunities. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I identified multiple discrepancies that require immediate attention. First, there are several incorrect addresses listed under my name : Experian reports XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and TransUnion reports both XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX, none of which correspond to my actual residential history, violating FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ), which mandates the accurate reporting of personal information. Additionally, I am disputing the charge-off from XXXX XXXX XXXX XXXX  ( account number XXXX ) with a reported balance of {$630.00}, as I believe this debt was settled and should be marked accordingly. I also dispute the XXXX form issued for this account, as I have never received official documentation regarding the cancellation of this debt, violating FCRA XXXX ( XXXX U.S.C. XXXX ) on billing errors and documentation of cancelled debts. Moreover, I am challenging several inaccurate collection accounts, including XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ), listed with a balance of {$630.00} under Experian, and XXXX XXXX ( original creditor XXXX XXXX XXXX. ), reported with a balance of {$430.00} under both Experian and Equifax, as well as XXXX XXXX ( from XXXX XXXX ) with a balance of {$460.00} on TransUnion, all of which I believe are either invalid or settled and should be removed under FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ) and FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ), which require the maximum accuracy and thorough investigation of disputed information. Additionally, I am disputing unauthorized credit inquiries, specifically the inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX ( reported by Experian ) and inquiries from XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX reported by Experian and TransUnion ) XXXX which were made without my consent and violate FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ), which mandates consumer consent for credit report access, and FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ), which requires a permissible purpose for all inquiries.

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 2025-11-22 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: TX

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and already filed an FTC Identity Theft Report. I am asking for help because fraudulent accounts, a fraudulent collection, and numerous unauthorized inquiries are being reported on my credit files, and they are harming my credit and my ability to obtain housing and credit. There is a private student loan account reporting across TransUnion, Experian, and Equifax that I did not apply for, did not authorize, and am not associated with and has an account number listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Experian and Equifax and an account number listed as XXXX XXXX XXXX XXXX XXXX with Transunion all three are reporting a balance of XXXX and were assumed to be opened on or around XXXX of XXXX. I have never opened any student loan or educational financing account. There is also a collection account allegedly from XXXX XXXX, placed by XXXX XXXX XXXX, showing a balance of XXXX on or arpund XXXX. XXXX with an account number as XXXX XXXX XXXX XXXX XXXX XXXX I never opened a XXXX XXXX account, never received service, and never authorized this collection. My credit reports also show numerous hard inquiries from auto dealers on or around XXXX lenders, and financial institutions that I did not authorize. I did not apply for credit with many of these companies, and I did not give permission for my credit to be pulled. These inquiries appear to be related to the same identity theft and are further damaging my credit. Please help me utilize my given rights under FCRA, and Texas State Laws to give me the justice I deserve. I am attaching my Identity theft report and my credit report that with said accounts and inquieries.Thank you

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