vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Incident Summary I was defrauded of {$1000.00} by an individual impersonating a law-enforcement officer.

Details of the Incident XXXX XX/XX/year> at XXXX AM, I received a phone call from a man who identified himself as a XXXX. He stated that I had failed to appear for jury duty and that a warrant had been issued for my arrest. He followed up with an email containing what appeared to be official court documents and claimed I owed a XXXX  fine. 

The caller said the fine would be {$2000.00} and pressured me to pay immediately. I told him that my bank only allows me to send {$1000.00} per day. He then said he would see what he could do about dropping XXXX of the supposed counts against me for not showing up to jury duty, and instructed me to pay {$1000.00} that day. 

He further directed me to make the payment using my last name and a juror number as the reference, to make it appear legitimate. Believing the communication to be official, I sent a total of {$1000.00} as directed. 

After sending the money, I was locked out of my account. I immediately attempted to cancel the Zelle transfer and spent over an hour and a half on the phone with XXXX Bank. I also went in person to the bank, but was informed that nothing could be done because the Zelle payment had already moved past the pending phase and could not be canceled. 

After the payment was completed, the caller became evasive and ultimately terminated the call. At that point I realized I had been the victim of a scam. 

Contact Information Used by Scammer Phone numbers : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX Email : XXXX Payment Information Payment method : Zelle Amount : {$1000.00} Recipient name : XXXX XXXX XXXX phone ( enrolled with Zelle ) : ( XXXX ) XXXX Bank : XXXX XXXX ( sending bank ) Transaction confirmation number : XXXX Payment reference : Last name & juror number provided by scammer Additional Action Taken I reported this incident to my local police department. A police report is currently being created and will be available in a few days, which I can provide as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
Creditor : XXXX This loan is current as of today - {$600.00} was paid on XX/XX/XXXXXXXX XXXX confirmation XXXX XXXXXXXX. I have created account on their website and I have set up automatic payments. 

I really need your help. 

An attempt to purchase a first home was denied because this account was past due for 279 days. 

I was never notified of a late payment. I was not aware of below activity : Loan went into forbearance : XX/XX/XXXXXXXX XXXX XXXX  Loan went into repayment : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Loan went into forbearance : XX/XX/XXXXXXXX XXXX XXXX Loan went into forbearance : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Loan went into repayment : XX/XX/XXXXXXXX XXXX XXXX  Loan went into forbearance : XXXX XXXX XXXXXX/XX/XXXX Loan went into repayment : XX/XX/XXXXXXXX XXXX current date XX/XX/XXXXXXXX  None of this activity was communicated to me. 
Lender had two numbers of which it was confirmed that my correct number was listed as a work number and I was never reached.

Lender also confirmed that they had a secondary number listed as a work number XXXX for which I was not reached. 

My desire to purchase my first home has me at a standstill over this. My credit bureau indicates I was in default of the loans. My credit score that I do my best to keep at its best has dropped. 

I am requesting that you please review and consider removing the " past due '' indications affecting my credit report.

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 2025-09-30 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: TN

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 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 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 2025-09-30 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : 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

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 2025-09-30 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: OK

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

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 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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX, a credit card was fraudulently opened in my name. I did not discover this until months after it had gone to collection. I contact the original issuer of the credit card, XXXX XXXX XXXX. I have a letter from them dated XX/XX/XXXX releasing me of any responsibility for this debt due to fraud. I forwarded that letter to Midland Credit Management and report this as fraud several times to them. They continue to claim that it is not fraud, even though I have submitted proof. I have also disputed the item on my credit report. XXXX  no longer shows it on my report as in collections. However, TransUnion continues to show on my credit report. I have reported it as fraud to TransUnion and they continue to send me back to Midland. My account number with Midland is XXXX, my original account number with XXXX has the last XXXX digits of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 explanation
Consumer complaint received 2025-09-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I am filing a formal complaint regarding my inability to access my Robinhood account and the imminent risk of losing funds due to the lack of adequate customer support.

I opened a Robinhood account several years ago. On XX/XX/year>, I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX, acting on behalf of Robinhood Securities , LLC. The letter states that an audit revealed an outstanding balance in my account and warns that if the property is not claimed by XX/XX/year>, it will be transferred to and held by the State of Indiana as unclaimed property. The letter directs me to log in to my Robinhood account to reestablish ownership.

Despite repeated attempts, I have been unable to access my account. Specific issues include : Login attempts indicate that my email and/or password are incorrect.

Attempts to reset my password via email have not resulted in receiving a reset message.

Verification codes are being sent to an outdated phone number I no longer control.

I attempted to resolve this matter through Robinhoods support channels without success : Phone support only provides automated messages redirecting me back to the online account portal. 

Email inquiries result in automated responses instructing me to log in to my account ( which I can not access ). 

There is no direct way to reach a live representative to assist with account recovery. Due to these barriers, I have no means to access my funds or prevent them from being transferred to the State of Indiana. Robinhoods lack of responsive customer support has placed me at risk of financial loss and has left me without a viable resolution pathway.

I respectfully request the CFPBs assistance in requiring Robinhood to provide direct, human support so I can regain access to my account and secure my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
I am disputing an auto-related debt that I do not owe. XXXX accepted liability for the accident because their insured driver struck the rental vehicle. Despite liability being accepted, XXXX XXXX provided the wrong vehicle/mileage information and attempted to bill me personally. 

XXXX then sent the matter to National Commercial Services ( NCS ), who has pursued improper collections, sent multiple notices, and even threatened XXXX license suspension. This is improper because : The debt is not mine XXXX already accepted responsibility. 

Enterprises documents contain contradictory mileage data ( over XXXX vs. XXXX miles recorded in the rental agreement ), which makes their billing inaccurate and unreliable. 

NCS is attempting to collect on a disputed debt in violation of the FDCPA and has threatened negative credit and XXXX reporting. 

I have already provided Enterprise with a written dispute letter ( XX/XX/year> ) and included accident report documentation from the XXXX Police Department ( Report No. XXXX, XXXX Policy No. XXXX ). Despite this, the debt has not been corrected, and I continue to receive collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: MortgagePros, LLC
State: NJ

Complaint narrative:
I agreed to refinance my current mortgage to an arm loan and receive my XXXX {$3900.00} payment back and escrow balance of {$6000.00}. Closing was on XX/XX/XXXX and I reached out to Mortgage Pros employee XXXX XXXX after closing on XX/XX/XXXX to find out when checks would come and he told me XXXX weeks. After XXXX weeks I tried to reach out to company and never got an answer until I put a negative XXXX review. Then another Mortgage Pros employee XXXX XXXX reached out to me asking to move the negative XXXX XXXX. She advised that well before closing the terms of the loan were changed to the escrow going back into mortgage total to lower payoff amount but NO ONE disclosed this to me. I would have never agreed to an arm loan unless I was getting that money I needed back. Then XXXX XXXX told me in 90 days she could convert my mortgage to a fixed rate and her company was sending me a check for between $ XXXX {$500.00} dollars for my trouble so I could remove the review. Later she told me I was getting a {$200.00} check. I have not received such check so I filed this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FDR Asset USA LTD
State: LA

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to FDR ALLIANCE LLC. Attached to this complaint is my written validation request, which clearly lists the documents that FDR ALLIANCE LLC must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. 
I am submitting this request through the CFPB to ensure that FDR ALLIANCE LLC receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief