vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XX/XX/XXXX To : Experian, Equifax, TransUnion, and All Relevant Creditors Subject : **Formal Demand for Validation & Immediate Removal of Unverified Debts ( XXXXXXXX XXXX XXXX  ) ** Dear Credit Reporting Agencies and Creditors, Under **15 U.S. Code 1681 ( Fair Credit Reporting Act ), 15 U.S. Code 1692 ( FDCPA ), Texas Finance Code 392 ( Texas Debt Collection Act ), and 12 CFR 1026 ( Truth in Lending Act ) **, I formally dispute all inaccurate, unverified, or fraudulent entries on my credit file and demand strict procedural compliance.

**1. Legal Basis for Dispute** Per **FCRA 611 ( a ) ( 1 ) ( A ) **, you are required to conduct a **free, full reinvestigation** within **30 days** and delete unverifiable data. Under **FDCPA 809 ( b ) **, if you can not validate the debt, you must cease collection and delete it.

**2. Demand for Strict Validation ( No Generic Responses Accepted ) ** Provide **certified, wet-ink-signed copies** of the following **within 30 days** ( failure = automatic deletion per **FCRA 623 ( a ) ( 5 ) ** ) : - **Original Signed Contract** ( TILA 1026.6 must show APR, terms, my signature ).

- **Complete Payment Ledger** ( CFPB Regulation F must show exact payment history, DOFD ).

- **Chain of Title** ( SEC Rule 17a-4 prove the debt wasnt sold illegally ).

- **Licensing & Bonding** ( Texas Finance Code 392.101 prove legal right to collect in Texas ) .

- **IRS Form 1099-C** ( if debt was canceled or sold, per **26 U.S. Code 6050P** ).

**3. Specific Violations Noted** - **Debt Parking ( FTC XXXX XXXX, XXXX ) ** You can not place debts without proper notice. 
- **Fraudulent Re-Aging ( FCRA 605 ( c ) ) ** The **Date of First Delinquency ( DOFD ) ** must not be altered.

- **Defamation ( Texas Business & Commerce Code 20.05 ) ** False reporting harms my reputation.

**4. Criminal & Civil Penalties** - **18 U.S. Code 1028 ( Fraud & Identity Theft ) ** If this debt stems from identity theft, I will pursue criminal charges.

- **18 U.S. Code 241/242 ( Conspiracy Against Rights ) ** Willful non-compliance violates civil rights.

- **Texas Penal Code 32.32 ( False Credit Reporting ) ** A felony in Texas .

**5. Cease & Desist All Illegal Reporting** If you fail to **delete unverified items** within **30 days**, I will : 1. File a **CFPB Complaint ( 12 CFR 1002 ) **.

2. Sue in **Texas Small Claims Court ( up to {$20000.00} per violation, FCRA 616 ) **.

3. Report criminal fraud to the **Texas Attorney General ( Consumer Protection Division ) **.

**This is your FINAL NOTICE. ** Send confirmation of deletion to my address above. 

Sincerely, 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 2025-04-10 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: NH

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-04-10 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: NH

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2025-04-10 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-10 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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

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 2025-04-10 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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

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 2025-04-10 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: OH

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-10 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:
Hi everything was removed except the XXXX XXXX  XXXX BALANCE BUT ON THE COMPLAINT IT STATED THAT ITS REMOVED. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
XXXX - Account # XXXX Balance : {$480.00} Reporting errors are totally unacceptable, especially when industry standards have established guidelines. Ensuring the integrity of everyone 's financial information is more important than a single mistake. The credibility of the system is weakened by these discrepancies. I implore you to act decisively. We must immediately erase the data and get rid of any errors. 

XXXX XXXX - Account # XXXX Balance : {$470.00} The consistent adherence to established standards that supports a credit report 's integrity appears to be lacking from the information on mine. The credibility of the entire report is damaged by any deviation, no matter how small. I expect and am entitled to an immediate, comprehensive review from you. If any non-compliance is found, the unambiguous course of action is to expunge the errors immediately and without hesitation. 

XXXX - Account # XXXX Balance : {$700.00} Your report 's accuracy is being questioned due to its significant departure from industry accepted standards. The dependability of your entire system is called into question by these disparities, which also distort the past. The action is essential. You need to resolve these problems right away. Review the highlighted incorrect information as soon as possible. 

XXXX XXXX XXXX - Account # XXXX Balance : {$170.00} Regarding the accuracy of your data in light of the Metro 2 guidelines, I'm quite concerned. Since errors or omissions can have a major effect on the report 's credibility, it is imperative that we correct them. I anticipate that you will carefully go over everything and remove any discrepancies as soon as you can. 

XXXX XXXX - Account # XXXX Balance : {$330.00} The fact that you have failed to uphold the necessary reporting standards is extremely alarming and unacceptable. The report 's usefulness and credibility could be damaged by any errors. It is imperative that you investigate this matter immediately. It is your duty to correct any mistakes as soon as possible and make sure they are handled correctly. 

XXXX - Account # XXXX Balance : {$0.00} The inconsistency in the data you provided calls into question the validity of your reporting process. Stressing the importance of accuracy in keeping these records is crucial. This is an expectation that needs to be fulfilled, not a request. Any departure from the set standards is unacceptable to us. Please take quick action to resolve this issue. Eliminate any errors as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
I wrote to Wise to formally demand escalation to someone in a leadership or executive capacity due to the extremely poor experience Ive had with their 24/7 support team. 

Over the course of multiple interactions, I have had to call Wise XXXX times, been hung up on XXXX, and spent over XXXX hours on the phonetime that has not only been wasted but has directly impacted my ability to conduct business and resulted in lost income. 

Despite following all instructions and submitting required documentation, their team failed to properly vet my submissions and ultimately told me they couldnt help me. The matter was allegedly escalated as urgent, yet I have seen no resolution and no one in a supervisory or management role has been made available to address these ongoing failures. 

This is completely unacceptable. What kind of operation is Wise running where customers are met with roadblocks, passed around without answers, and denied access to any form of meaningful escalation? 

I demand that this issue be escalated to someone with the authority to take accountability and resolve this properly. I expect a call or email from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 an account without my written instructions.

15 u.s.c 1681i ( 5 ) -removal of inaccurate/invalidated. Credit information 15 usc 1681e ( b ) ( b ) -accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumerreports.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Subject : Restriction of Crypto Wallet Functionality Forced Sales and Unfair Tax Consequences Complaint : Robinhood Financial has unilaterally restricted my cryptocurrency account, disabling the ability to send or receive crypto from my wallet. As a result, I am now only allowed to buy or sell within their platform, effectively locking my assets into a closed ecosystem. 

This restriction is deeply concerning and feels predatory. By preventing transfers, Robinhood is forcing users like me to liquidate holdings in order to access fundswhich triggers a taxable event and could have unintended financial consequences. I should not be forced to sell my assets just to access them. 

Cryptocurrency is designed to be transferable, and Robinhoods actions undermine that basic functionality. There was no prior warning or transparent explanation, and I was not given an opportunity to opt out or appeal. This level of control over my assets is unreasonable and potentially unlawful, especially given that other platforms allow wallet withdrawals and transfers freely. 

I am requesting a full investigation into Robinhoods crypto wallet restrictions and whether this practice violates consumer protection laws or fair access principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
Sometime around XXXX, a family remember of mine received a phone call from a 3rd party debt collector from XXXX XXXX XXXX  and XXXXXXXX XXXX. They were stations if I did not pay what I owe that same day in full I will be picked up at work or from my home and be taken to jail. I paid the debt in installments since I was afraid.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
In XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX three separate times. Each incident was reported to management through formal maintenance requests. The only action taken was " XXXX XXXX XXXX '' which failed to address the root cause. I notified the property in writing of my intent to terminate my lease under Texas Property Code 92.056 and 92.0561 due to their failure to resolve a health/safety issue in a timely manner. 

I vacated the unit on XX/XX/year>, with rent fully paid through that date. Despite this, the landlord sent the alleged remaining balance to collections through IQ Data XXXX, who reported it to XXXX. I formally disputed the debt with XXXX multiple times and provided legal documentation, including a letter from my attorney. XXXX has declined to remove the account, stating that IQ Data verified itwithout ever addressing the underlying legal justification. 

I am requesting this collection be removed, as it is the result of an unlawful attempt to collect on a debt that is not owed under Texas law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Filed a dispute with Equifax. They did not investigate the information property, rather simply verified the information. The creditor claim is incorrect and they never contacted me. There is no place to describe that on the dispute with Equifax and on the final resolution it says you can challenge this but there is no where to challenge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This debt is unknown to me and is also showing as a collection with a past due balance which is a violation of the law.

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