vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report 3. copy of identification I am requesting that you delete and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 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 Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I fell behind on my mortgage. I was in the middle of a loan modification and had submitted the requested documents. In the meantime I also secured a XXXX mortgage to bring my XXXX current. I showed proof of the XXXX loan, requested a delay in the sale ( via letter XXXX weeks prior to the sale date via their portal ), and submitted the financial docs they had requested for the modification. I couldn't get the same person on the phone with the mortgage company and never got answers. They continued with the sale and it cost me XXXX  XXXX in equity and my home. After the sale they even sent me a letter giving me until XX/XX/year> to submit my modification docs. I had sent them proof of funds and notarized loan docs prior to sale showing I could bring the loan current. I'll attach all relevant docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AZ

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. I am referring to account number XXXXXXXX XXXX XXXX XXXX XXXX which appears to be a collection account with an original creditor listed as " XXXX XXXX XXXX  XXXX XXXX  '' For the amount of {$10000.00}. I have no knowledge of this account and believe it was fraudulently opened in my name. 

I request that you immediately investigate this account and remove it from my credit report. I am also requesting a copy of any documentation related to this account, including applications, statements, and payment history. 

Please contact me at the phone number or email address listed above if you require any further information.

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 2025-05-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX. Account XXXX : XXXX XXXX  Account # : XXXX XXXX. Account XXXX : XXXX Account # : XXXX XXXX. Account XXXX : XXXX XXXX Account # : XXXX XXXX. Account XXXX : XXXX XXXX Account # : XXXX XXXX. Account XXXX : XXXX  Account # : XXXX XXXX. Account XXXX : XXXX XXXX Account # : XXXX XXXX. Account Name : XXXX  XXXX Account # : XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates, as stated in 15 U.S.C. 1681e ( b ).

Additionally, under 15 U.S.C. 1681i, they are required to comply with the following regarding the treatment of inaccurate or unverifiable information : ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) promptly delete that item of information from the consumers file or modify the item as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the item has been modified or deleted from the consumers file.

Furthermore, under 15 U.S.C. 1681s-2, no person shall furnish any information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681b ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and notice that I have fraudulent accounts that does not belong to me Please remove all fraudulent accounts 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 non-monetary relief
Consumer complaint received 2025-05-24 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 have inquiries on my report because my information was exposed to the data breach without my knowledge and need it remove immediately please

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 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: IL

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Request for Debt Validation and Dispute Dear, CFPB I am writing in response to regarding an alleged debt you claim I owe. This is not an acknowledgment or acceptance of any debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of the alleged debt, including the following information : The amount of the alleged debt. 
The name of the original creditor. 
A copy of the original agreement or contract bearing my signature. 
Proof that you are legally authorized to collect this debt in my state. 
A full accounting of how the alleged amount was calculated. 
A copy of any judgment ( if applicable ). 

Please be advised that until this debt is validated, you are required by law to cease all collection activities, including reporting this alleged debt to credit reporting agencies. 

If you do not respond within XXXX days with adequate proof of the debt, you must cease all collection efforts and remove any information related to this debt from my credit reports. 

Thank you for your cooperation. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NE

Complaint narrative:
They violated my rights as a consumer under 15 usc 1681b and I need these accounts blocked and deleted off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$50000.00} into my Robinhood account to take advantage of the 4.5 % APY interest rate they were offering. The funds cleared on XX/XX/year>, and I immediately needed them to cover last-minute personal expenses for my real estate business, XXXX XXXX XXXXXXXX XXXX XXXX. I verified my XXXX business account on Robinhood via two small deposits Robinhood made into the account. The XXXX business account was subsequently verified on Robinhood. 

I then attempted to withdraw my funds, but Robinhood would not let me and restricted my account for unusual activity. Robinhood then requested bank statements from my two bank accounts on Robinhood for XX/XX/year>. I submitted copies of my XXXX bank statements, since XX/XX/year> has not finished yet. I will attach those documents to this complaint. I called Robinhood support on XX/XX/year>, to ask why my account was restricted. They were still working on reviewing my account and that they will add notes to my review for whoever was reviewing it can see the notes. Then a few hours later I get a email that my account is being closed with no reason or explanation. 

This is absolutely ridiculous that Robinhood can easily that my {$50000.00} but when I needed to withdraw it back into my account they restricted my account delay me getting my money back and now are closing my account further delaying the process of me getting my hard earn money back. Which I need now. Please help me resolve this ridiculous issue with Robinhood I need them to speed up the process and guarantee that they are returning my {$50000.00} back to me. So crazy that I was just trying to work my money for a little 4.5 % and now I am dealing with this. Please have them deposit my money to the original account I used to deposit the {$50000.00} XXXX XXXX XXXX XXXX XXXX savings account ending in XXXX ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: RI

Complaint narrative:
Dear CFPB, I am formally disputing a {$570.00} charge-off account reported by XXXX XXXXXXXX, listed under account number XXXX, opened on XX/XX/XXXX, and currently marked as under dispute. Despite my prior requests for investigation and documentation, XXXX XXXX has continued to furnish this negative information to the credit bureaus without providing proper validation. 

Whats wrong : XXXX XXXX has failed to provide any of the following : A signed agreement or application establishing a valid contractual relationship ; A complete itemized account ledger substantiating the balance ; Notice of acceleration or charge-off, as required under 15 U.S.C. 1681m ( a ) ; Proof that their reporting is accurate and not misleading, as required under 15 U.S.C. 1681e ( b ) ; Any indication of a reasonable reinvestigation, violating 1681i ( a ). 

Moreover, XXXX XXXX has continued to update this charge-off monthly even while under dispute which gives the appearance of ongoing delinquency and artificially inflates derogatory impact on my credit profile. This is a known tactic referred to as re-aging and is unlawful under FCRA 1681i ( a ) ( 5 ).

Recycled Statements Legal Validation : In response to prior requests, XXXX XXXXXXXX provided only old billing statements or archived PDFs. However, as established in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), furnishing copies of old statements or summaries does not satisfy legal requirements for validation. A creditor must provide substantive evidence of liability not internal summaries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), courts have confirmed that generic documents do not meet the standard of verification or reasonable investigation under FCRA and FDCPA. 

Continued Reporting = Willful Violation : XXXX XXXX ongoing derogatory updates while failing to validate the account violate : FCRA 1681e ( b ) : Failure to ensure accuracy ; FCRA 1681s-2 ( b ) : Failure to properly investigate and correct disputed data ; FCRA 1681i ( a ) : Failure to reinvestigate ; FCRA 1681n and 1681o : Willful and negligent noncompliance ; FDCPA 1692e ( 8 ) : Continued furnishing of disputed debt as factually accurate.

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 2025-05-24 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: IL

Complaint narrative:
I submitted a Method of Verification ( MOV ) request to TransUnion regarding a collection account reported by XXXX XXXX XXXX XXXX, originally from XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) TransUnion is legally obligated to provide a full description of the procedure used to verify the account, including the method used and supporting documents. 

On XX/XX/year>, I received a response from TransUnion stating only that the account had been " verified and updated. '' This is not sufficient under the law. They failed to provide any details of the procedure used, no records, and no documentation from the furnisher that proves I am legally liable for the alleged debt. 

By failing to comply with the FCRAs MOV requirements, TransUnion is in violation of federal law. I am requesting the CFPB take action and hold TransUnion accountable for its non-compliance and failure to follow consumer protection laws. I am also seeking the permanent deletion of this collection account from my credit report due to failure to verify.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion failed to verify the bankruptcy reporting. Instead of providing source verification, they returned a full credit file with no proof of how the bankruptcy was matched to me or where the information came from. This violates XXXX U.S.C. 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 2025-05-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX USC XXXXg Sec. XXXX ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX - XXXX - This is also completely inaccurate. - This is not accurate. DELETE ASAP!!!! XXXX - XXXX - This is also completely inaccurate. - This is not accurate. Delete ASAP!!!!! 

Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes. 
In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
- Proof that you are licensed to collect in my state. 
- Your license numbers and Registered Agent or Agent of Service. 
- The identity, name, and address of the original creditor. 
- Forward Flow Agreement- The Chain of Assignment At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX XXXX Credit Bureaus ( XXXX XXXX XXXX XXXX  ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, 2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with non-monetary relief