vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
This company is charging me interest on a rental debt. We moved out of an apartments complex XXXX months early because the apartment manager XXXX my husband physically and we felt unsafe having her as our manager with access to our apartment. Anyhow- the apartment sent my rental debt to iq data XXXX XXXX XXXX weeks after we moved out not even offering us the ability to explain that the apartment manager XXXX us. She had several other complaints and the XXXXXXXX XXXX office told me that they would 'put this incident in her record ' but she still works at XXXX a year later. The place they sent our early termination fee to is now charging interest on this debt and that is illegal to do. It didn't allow it in my lease and it's illegal in Washington State to add interest to this type of debt. I want the interest removed and to stop accruing. This debt is erroneous already and they are doing something illegal on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
I am filing this dispute to report inaccurate and/or unauthorized information being reported or handled by XXXXXXXX XXXX XXXXXXXX XXXX Despite my attempts to resolve the issue directly, the company has failed to correct the error or provide proper documentation. The information in question is incorrect and has negatively impacted my financial standing. I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to ensure the company provides full verification, correction, or removal of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-10-19 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
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 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 2025-10-19 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: NV

Complaint narrative:
XXXX inaccurate and unverified accounts are being reported on my credit reports by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

The XXXX XXXX XXXX account shows a balance of approximately {$8400.00} and was last reported around XX/XX/2024. The XXXX XXXX XXXX XXXX account shows a balance of {$270.00} and was reported around XX/XX/2024. 

I disputed these items directly with the credit bureaus and requested validation from both furnishers. I specifically asked for documentation proving the debts are accurate and legally verifiable, including signed contracts, payment records, and proof of ownership. Neither company provided validation or supporting evidence. 

Despite the lack of verification, the information continues to appear on my Equifax, Experian, and TransUnion reports. This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report only accurate and verifiable information, and the Fair Debt Collection Practices Act ( FDCPA ), which requires proper debt validation upon request. 

I am requesting that these inaccurate and unverified tradelines be permanently deleted from all credit reports, and that each company provide written confirmation of the investigation results. 

The repeated reporting of unverified information has caused ongoing harm to my creditworthiness and financial stability.

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 2025-10-19 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: NV

Complaint narrative:
XXXX inaccurate and unverified accounts are being reported on my credit reports by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

The XXXX XXXX XXXX account shows a balance of approximately {$8400.00} and was last reported around XX/XX/2024. The XXXX XXXX XXXX XXXX account shows a balance of {$270.00} and was reported around XX/XX/2024. 

I disputed these items directly with the credit bureaus and requested validation from both furnishers. I specifically asked for documentation proving the debts are accurate and legally verifiable, including signed contracts, payment records, and proof of ownership. Neither company provided validation or supporting evidence. 

Despite the lack of verification, the information continues to appear on my Equifax, Experian, and TransUnion reports. This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report only accurate and verifiable information, and the Fair Debt Collection Practices Act ( FDCPA ), which requires proper debt validation upon request. 

I am requesting that these inaccurate and unverified tradelines be permanently deleted from all credit reports, and that each company provide written confirmation of the investigation results. 

The repeated reporting of unverified information has caused ongoing harm to my creditworthiness and financial stability.

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 2025-10-19 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unresolved issue with my Robinhood account. 

On XX/XX/year>, XXXX restricted my account due to what they described as unusual activity. Shortly after, I received an email from Robinhood stating that my account would be closed and that, after all necessary deductions, the remaining funds would be transferred to my linked bank account.

However, it has now been a significant amount of time since then, and I have not received the funds or any clear update from Robinhood. Despite contacting their support team multiple times, I continue to receive the same automated or generic responses, without any real progress or resolution.

I am requesting the Bureaus assistance in ensuring that Robinhood promptly releases my remaining balance and provides a clear explanation for the delay in returning my funds. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries that appeared on my credit report. I did not apply for credit or authorize any company to pull my credit report on these dates. These inquiries were made without my permission and have negatively impacted my credit score. 

I have already contacted the credit bureaus and the companies listed as inquirers to dispute these entries, but the issue has not been resolved. I am requesting that the Consumer Financial Protection Bureau review this matter and assist in having these unauthorized hard inquiries removed immediately from my credit report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 submitting this complaint regarding multiple unauthorized hard inquiries that appeared on my credit report. I did not apply for credit or authorize any company to pull my credit report on these dates. These inquiries were made without my permission and have negatively impacted my credit score. 

I have already contacted the credit bureaus and the companies listed as inquirers to dispute these entries, but the issue has not been resolved. I am requesting that the Consumer Financial Protection Bureau review this matter and assist in having these unauthorized hard inquiries removed immediately from my credit report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Account XXXX XXXX  # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature, if not please delete the account as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: UT

Complaint narrative:
Hello, Im reporting them again because I reported them on this before about maybe a month ago or a few weeks ago that that I do not want them to contact me anymore and they promised they wouldnt through mail or phone call and I got another letter today from XXXX XXXX XXXX harassing me saying that I owe this debt that that that synchrony bank handed over to them and they cant legally do that. It is against the law. Ive already told them not to contact me and they have the only way they can contact me is through the courts legally, it says that the debt is mine and that I set up a contract with them and a payment agreement when I never did. This is so illegal what synchrony bank and. XXXX XXXX is doing to us XXXX person. Please help the other one still says theres not any status update of when I reported them. I hope they are not lying to you guys, but theyre not supposed to contact me when I told them not to contact me. So theyre breaking the law why arent they taking me to court so that I can get my attorney to prove and make them look like jerks as I approved that its not me and win in a court against them and they keep harassing me they havent served me or sent a letter from the courts. I told them no contact to me and they continue to rudely harass me through phone calls and mail.

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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX Date : XX/XX/year> Subject : Follow-Up to CFPB Complaint # XXXX Wakefield & Associates / XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX This letter serves as a formal follow-up to my prior complaint ( # XXXX ) concerning Wakefield & Associates , LLC, which claims to service an alleged account placed by Southeastern XXXX XXXX XXXXXXXX ( XXXX ). 

On XX/XX/year>, Wakefield & Associates responded to my CFPB complaint. Their letter confirms that : 1. Wakefield & Associates is not a debt purchaser, merely a third-party collector.

2. They assert that XXXX has substantiated the debt but provided no documentation whatsoever to prove it. 
3. They intend to send verification to me directly, but no such validation has been received.

4. They continue to report the account to XXXX XXXX and XXXX  despite the absence of proof that this debt is valid, accurate, or legally enforceable. 

This response fails to satisfy the requirements of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), both of which require a debt collector to provide complete verification before continuing collection activity or credit reporting. 

Specifically, Wakefield & Associates did not provide : A copy of any signed consent-to-treat or service agreement from XXXX XXXX XXXX XXXX bearing my signature .

A full itemized billing statement or accounting showing how the balance was calculated. 
Documentation from XXXX transferring authority or confirming Wakefields legal right to collect or report this account. 

Reporting this unvalidated debt to consumer reporting agencies constitutes a direct violation of the FCRA and materially damages my credit standing. 



Requested CFPB Actions I respectfully request that the CFPB : 1. Direct Wakefield & Associates , LLC and XXXX XXXX XXXX, XXXX to provide complete debt validation, including signed documentation and itemized billing. 
2. Compel the immediate deletion of this account from all credit reporting agencies if validation can not be produced.

3. Record this as a continuing violation of the FDCPA and FCRA for reporting an unverified debt. 

Please add this follow-up letter and the attached Wakefield & Associates response ( dated XX/XX/year> ) to my existing case file. 

Thank you for your continued assistance in ensuring consumer protection and fair reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Money was stolen from my chime bank account at XXXX on XX/XX/XXXX for {$200.00} and another transaction at XXXX for {$80.00} from a person I do not know. This took place after she got o from work at XXXX. During the time she was in bed and there were 2 unknown transactions. This person is impersonating to be an XXXX wig sales the sent me a message with terms and conditions on instagram and whats app to become a wig influencer and that they would send me 2 wigs and refund me and send me commission to promote their wigs on social media. I do not know the person. Shows recipient name as XXXX XXXX. I asked the impersonator for a refund and to send my {$280.00} back and I never received merchandise the scammer asked for more money saying to get my money back I would need to pay a {$50.00} refund fee. I refused, I kept asking for my money back but never got my money or and merchandise. I called chime and spoke to 3 supervisors and 2 of them were rude telling me the can not do anything for me. I called chime back and a agent finally opened a dispute on XX/XX/XXXX which was denied staying they see no error, I called in and asked to have the dispute appealed and the agent told me to upload a incident report and messages. I uploaded proof and my dispute was denied XX/XX/XXXX. I explained I never got any merchandise and this bank refuses to help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
After being kidnapped and robbed I submitted list of transactions that were not done by me but by individuals that had stole my phone taking my password for it by force ( held XXXX to my head ) and stealing my cards and other info. ( which I spoke to a bank manager the following day about and thought I had done everything required to secure my account not knowing they had found a way to use my stolen phone as a mirror phone and still get access to my new account and card info ) I also provided police reports and charges to the one defendant that has been arrested so far, still awaiting the others to be caught, when I went to the bank to inquire the status I was advised until a guilty verdict on at least one charge for any of the parties happens my dispute won't be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
Account XXXX XXXX Account # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature, if not please delete the account as soon as possible or I will have to take legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation