vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am writing to formally dispute my XXXX XXXX loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates several federal laws designed to protect XXXX  records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my XXXX  loan debt in full, as my rights have been severely violated.Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My XXXX  records were disclosed without my consent, violating FERPAs strict confidentiality Protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a XXXX  loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence. The entity responsible for safeguarding my data failed to do so, putting my financial security at risk, and unauthorized disclosure to third parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am writing to formally dispute my XXXX XXXX loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates several federal laws designed to protect XXXX  records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my XXXX  loan debt in full, as my rights have been severely violated.Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My XXXX  records were disclosed without my consent, violating FERPAs strict confidentiality Protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a XXXX  loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence. The entity responsible for safeguarding my data failed to do so, putting my financial security at risk, and unauthorized disclosure to third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
The following account was C/O in XX/XX/2019. Since then the account has had an active payment history which is illegal and violates my rights. I demand deletion of this following account 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 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my consent, and I have requested that the involved credit bureaus ( XXXX, Equifax, and/or XXXX  ) conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review.

I have invoked several FCRA provisions that support my request for deletion, including : Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified. 1.

Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

2.

Section 609 ( Right to Access and Verification ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evi
dence of my consent, which is not present in this case.

3.

Section 623 ( Responsibilities of Information Providers ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

4.

Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection. 
XXXX. 
Additionally, I reference the case XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
XXXX XXXX I lived there for XXXX  years and paid all my rent, all other charges I do not know about I already called the company XXXX to try to resolve this issue. I wont be paying what I never owed - the amount is XXXX and the company is called XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
In XXXX I received a debt notice from Resurgent or the account owners. I immediately responses attempting to validate the debt. The company responded merely with bill statements. They did not furnish a contract showing that I opened this tradeline and or any terms. On or about late XXXX I sent them a follow up to their debt validation putting them on notice of alleged violations of the FDCPA and FCRA. I also indicated my willingness to settle the matter. I have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX sold my personal information and medical debt to a debt collector. This is a XXXX violation. This is illegal. This debt should not be a negative impact on my credit. I also have never received any information in the mail from the company regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
On XXXX, XX/XX/XXXX, at approximately XXXX p.m. ( XXXX  ), I initiated XXXX separate cryptocurrency transfers from my XXXX account to another online crypto wallet. All transfers were confirmed as successfully completed. 

However, just over XXXX hours later, at XXXX p.m., I received an email from XXXX stating my account was restricted and I could no longer make withdrawals. This was the first notice of any issue. 

The following day, XXXX, XX/XX/XXXX, I contacted customer service and spoke with a representative named XXXX. I was informed the restriction was due to a login attempt from XXXX, which XXXX flagged as suspicious. I explained I was in XXXX in XXXX XXXX, and the login was by me. There was no unauthorized or fraudulent activity. 

To comply with their security review, I submitted all the requested documentation on XX/XX/XXXX : XXXX live selfie photos showing my face from left, center, and right angles A recent bank statement for the account ending in XXXX XXXXXXXX, dated within the last XXXX  days, containing my name, bank details, and address I confirmed the successful submission multiple times via email : To XXXX ( Submission ID XXXX XXXXXXXX ) To XXXX, XXXX XXXX had XXXX all documents To XXXX ( Submission ID XXXX XXXX  ), with a clearly redacted statement showing Robinhood-related transactions On XX/XX/XXXX, my Robinhood account displayed a yellow banner indicating they were reviewing my case and would respond by XX/XX/XXXX. On XX/XX/XXXX, the banner changed, now asking for documents again ( a selfie and a XX/XX/XXXX bank statement ) with a new deadline of XX/XX/XXXX. 

I am extremely frustrated and concerned : Why was this " suspicious activity '' from XX/XX/XXXX only flagged now, XXXX months later? 
Why did I receive no prior notification before access was suddenly restricted? 
Why am I being asked to re-submit documents I have already sent and received confirmation for? 

This process has caused unnecessary stress and disruption to my access and control over my financial assets. Robinhoods failure to notify me in a timely manner and the repeated requests for the same documentation raise serious concerns about their fraud detection and customer service procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-11 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:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Equifax XXXX. XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Subject : CFPB Complaint Formal Dispute and Demand for Permanent Deletion of Unverifiable Accounts To Whom It May Concern, This is a formal CFPB complaint and dispute under the Fair Credit Reporting Act ( FCRA ). I am disputing XXXX inaccurate, unverifiable, and incomplete derogatory accounts currently being reported on my credit reports. Both furnishers and all three bureaus have failed to comply with federal law. 



XXXX. XXXX XXXX XXXX XXXX Account # : XXXX This account is being reported as a charge-off with a {$4900.00} balance. 
No monthly payment history is furnished, violating XXXX XXXX compliance. 
It is marked Previously in Dispute Resolved without any supporting documentation. 
Under FCRA XXXX and XXXX ( b ), I demand the method of verification and a complete detailed description of the investigation conducted. 
This account was verified without providing me the required explanation or proof. 



XXXX. XXXX XXXX XXXX Account # : XXXX This is a third-party debt buyer reporting a collection account originally from XXXX XXXX XXXX . 
No debt validation was ever provided in accordance with XXXX XXXX. XXXX. 
The chain of assignment, forward flow agreement, and original signed contract have not been disclosed. 
The bureaus have not supplied the method of verification or details of any reinvestigation as required under FCRA XXXX ( a ) ( XXXX ). 
This account is being reported with inconsistent dates across bureaus, violating the standard of maximum possible accuracy under XXXX ( b ) and XXXX ( b ). 



I am demanding the following : XXXX. A lawful reinvestigation of both accounts under FCRA XXXX. 
XXXX. The full method of verification, including the name and contact information of who verified the accounts. 
XXXX. A complete detailed description of the investigation conducted. 
XXXX. Permanent deletion of these accounts if you can not provide verifiable documentation within the statutory XXXX period. 

Failure to provide the required information constitutes willful noncompliance with the FCRA and FDCPA and is subject to civil liability under XXXX U.S.C. XXXX ( willful violations ) and XXXX ( negligent violations ). 

Please consider this my final demand for compliance before I escalate this matter further through legal proceedings and regulatory enforcement. 

Sincerely, 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 2025-05-11 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:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX Equifax XXXX. XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Subject : CFPB Complaint Formal Dispute and Demand for Permanent Deletion of Unverifiable Accounts To Whom It May Concern, This is a formal CFPB complaint and dispute under the Fair Credit Reporting Act ( FCRA ). I am disputing XXXX inaccurate, unverifiable, and incomplete derogatory accounts currently being reported on my credit reports. Both furnishers and all three bureaus have failed to comply with federal law. 



XXXX. XXXX XXXX XXXX XXXX Account # : XXXX This account is being reported as a charge-off with a {$4900.00} balance. 
No monthly payment history is furnished, violating XXXX XXXX compliance. 
It is marked Previously in Dispute Resolved without any supporting documentation. 
Under FCRA XXXX and XXXX ( b ), I demand the method of verification and a complete detailed description of the investigation conducted. 
This account was verified without providing me the required explanation or proof. 



XXXX. XXXX XXXX XXXX Account # : XXXX This is a third-party debt buyer reporting a collection account originally from XXXX XXXX XXXX . 
No debt validation was ever provided in accordance with XXXX XXXX. XXXX. 
The chain of assignment, forward flow agreement, and original signed contract have not been disclosed. 
The bureaus have not supplied the method of verification or details of any reinvestigation as required under FCRA XXXX ( a ) ( XXXX ). 
This account is being reported with inconsistent dates across bureaus, violating the standard of maximum possible accuracy under XXXX ( b ) and XXXX ( b ). 



I am demanding the following : XXXX. A lawful reinvestigation of both accounts under FCRA XXXX. 
XXXX. The full method of verification, including the name and contact information of who verified the accounts. 
XXXX. A complete detailed description of the investigation conducted. 
XXXX. Permanent deletion of these accounts if you can not provide verifiable documentation within the statutory XXXX period. 

Failure to provide the required information constitutes willful noncompliance with the FCRA and FDCPA and is subject to civil liability under XXXX U.S.C. XXXX ( willful violations ) and XXXX ( negligent violations ). 

Please consider this my final demand for compliance before I escalate this matter further through legal proceedings and regulatory enforcement. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint regarding Remitlys failure to properly complete two international transfers I made during a critical emergency. I submitted two currency exchange transactions of {$30.00} each, intended to urgently send money to Brazil. According to the Remitly app, both transfers were marked as delivered, but the funds did not reach the recipient account which is my own.

I immediately contacted customer support and explained the situation. I was told to wait up to three business days for a resolution. This delay caused serious harm, both financially and emotionally, as the payment was time-sensitive. The failure to deliver the funds on time resulted in additional interest charges, emotional stress, and personal hardship.

Since then, only one of the two transactions has been deposited into my account and even that one arrived after the deadline set by Remitly. The second transaction remains pending, with no clear resolution or accountability from the company, which is unacceptable given the urgency of the matter.

I am facing real financial damage, including late fees and penalties due to unmet obligations, and I am experiencing severe emotional distress, including anxiety and frustration caused entirely by Remitlys negligence.

Remitly failed to deliver the paid service, left me without proper support, and now expects me to wait even longer with no guarantee or urgency. This demonstrates a clear lack of professionalism, respect, and responsibility.

I am therefore requesting : A full refund of the pending transaction ( US {$30.00} plus fees ), And compensation for the financial and emotional damages I have suffered due to this situation.

I urge the CFPB to investigate this issue thoroughly and ensure that Remitly is held accountable for failing to meet its financial obligations and for the harm caused by its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-12 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$7100.00} XXXX  # XXXX XX/XX/XXXX -- {$4100.00} TU UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX TransUnion

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