vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions is reporting a fraudulent XXXX XXXX XXXX account on my credit file. My identity has been stolen, and the credit bureaus are already aware of this fraud. This account was previously disputed as fraudulent and should never have been furnished again. This account was previously reported by XXXX XXXX and was removed from my credit report in XX/XX/year> due to fraud. 

By knowingly furnishing false information, Radius Global Solutions is in violation of : FCRA 623 ( a ) : Furnishers must not report information they know or should know is inaccurate.

FDCPA 807, 809 : It is unlawful to misrepresent a debt or continue collection efforts without proper validation.

As a direct result of this unlawful reporting, I have suffered damages including but not limited to : Denial of credit opportunities, Increased interest rates and financial costs, Emotional distress and reputational harm.

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 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I was recruited into a high-ticket sales training program called XXXX XXXX in XX/XX/year> that cost {$6000.00}, financed through Affirm. I was told that I could exit within 60 days without paying, or receive a full refund after booking 10 qualified appointments within 60 days.

Despite these promises, the company failed to honor the refund policy and pressured me into switching payment methods ( including attempts to move me from Affirm to other cards at higher amounts, e.g., {$7000.00} ). Multiple members in their XXXX channels have reported not receiving promised refunds or payments. I collected extensive evidence, including screenshots of company representatives confirming the refund policy and employees stating they never received refunds or commissions. 

I submitted all of this evidence to Affirm during the dispute and appeal process. However, Affirm sided with the merchant, claiming I signed a contract that makes the charge non-disputable, despite clear evidence of misrepresentation and deceptive practices. 

I called Affirm multiple times to escalate, but I was repeatedly denied access to a supervisor or fraud team. They told me the dispute was final and refused to consider my evidence. 

I am requesting CFPB intervention because Affirm failed to protect me as a consumer from deceptive practices and refused to escalate my case despite strong evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: 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 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 2025-09-29 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: NJ

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On XX/XX/year>, I was notified by Robinhood Financial , LLC ( CRD # : XXXX ) that my account ( username : XXXX XXXX, account number : XXXX ) was being closed due to recent account activity. 

I have only had this account for approximately one month, during which I deposited funds and purchased roughly {$100.00} worth of cryptocurrency. Currently, {$33000.00} of my funds are being held without my consent or my banks knowledge.

To comply with Robinhoods requests, I submitted all requested documentation, including a copy of my government-issued ID, a bank statement, and any other information they asked for. Despite doing so, my account remains restricted.

Over the past several weeks, I have sent more than 20 emails seeking clarification. The only responses I have received are generic chatbot replies. I have also attempted to call, reach out directly to the CEO, and use the in-app customer support system, yet I still have not received any communication from a real person nor a clear explanation for this restriction.

The only information Robinhood has provided is that they are working with my bank to return the funds, a process they claim may take 30120 days depending on my bank. However, upon contacting my bank, I was informed that they have no knowledge of such a process and can not assist me.

This lack of transparency and refusal to release my funds has left me unable to access my own money, pay essential bills, or obtain meaningful updates. I am extremely concerned, especially given reports from other Robinhood users facing similar issues.

For reference, here are the case IDs associated with my unanswered support requests : XXXX XXXX XXXX I also sent emails directly to Robinhoods firm contact and CEO but have not received any response.

I respectfully request immediate action to release my funds or, at minimum, a direct response from a qualified Robinhood representative explaining why my account is restricted and when I can expect access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus.

Accounts Still Inaccurate : CHARGE OFF - TU 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 2025-09-29 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: AL

Complaint narrative:
I am submitting FTC Identity Theft Report Under FCRA according to 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) once a consumer provides a FTC Identity Theft Report furnisher of information may not report the account to any consumer reporting agency unless the consumer confirms the information is correct.

This account is a direct result of identity theft and needs to be removed in order to stay in compliance with FEDERAL LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT 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 XXXX XXXX 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 2025-09-29 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: TX

Complaint narrative:
Demand to delete all unauthorized reports that violates the code violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from Equifax, Experian, and 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 non-monetary relief
Consumer complaint received 2025-09-29 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:
Demand to delete all unauthorized reports that violates the code violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from Equifax, Experian, and 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
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT 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

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 2025-09-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

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. 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. XXXX, XXXX  and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the accounts below be removed immediately : Please provide a 1099c as you are stating this account has been reported as a loss and written off. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide a 1099c then please delete immediately. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide your method of validation, then please delete immediately. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide your method of validation, then please delete immediately. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original creditor. Please provide a 1099c as you are stating this account has been reported as a loss and written off yet still reporting a balance. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If unable to provide a 1099c then please delete immediately. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original creditor.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am disputing an account being reported by resurgent XXXX {$1500.00} This account is inaccurate, unverifiable, and being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On [ insert date of your dispute letter ], I sent a written dispute and debt validation request to the collector. In that letter I specifically requested the following information : A copy of the original signed agreement or contract with the original creditor. 

A complete chain of title/assignment showing every transfer of the debt from the original creditor to the current collector. 

A full itemized accounting/ledger of the balance, including interest, fees, credits, and payments. 

Proof that the collector is licensed/authorized to collect debts in Kentucky. 

A copy of any judgment, if applicable.

Suspension of credit reporting until the debt was properly validated.

To date, the collector has failed to provide any of the requested documentation. Instead, they continue to report the account as accurate and verified with the credit bureaus, despite not producing legally required validation.

This conduct violates : FDCPA, 15 U.S.C. 1692g ( b ) ( failure to provide proper validation before continuing collection or reporting ).

FCRA, 15 U.S.C. 1681s-2 ( furnishing information known to be inaccurate or unverifiable ).

I am requesting that the CFPB investigate and require the collector and the credit bureaus to : Delete this account from all credit reporting agencies, or Provide the full, proper validation I requested, including signed contract, chain of title, and full accounting.

Until proper validation is provided, this account should not be reported or collected.

Requested Relief : Immediate deletion of this account from my credit reports, OR Full validation including original signed agreement, chain of title, and accounting.

Ensure the collector ceases all reporting until validation is produced.

Company response to consumer: Closed with explanation