vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am filing this complaint because unauthorized hard inquiries were made on my credit report by XXXXXXXX XXXX XXXXXX/XX/year> and XXXX XXXX  XX/XX/year>. These inquiries were made without my consent or a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), which requires consumer reporting agencies to ensure that inquiries are made with proper authorization. I did not authorize these companies to pull my credit, and they do not have a permissible purpose under the law to access my credit report. I am requesting that these unauthorized inquiries be immediately removed from my credit report, and I am seeking a resolution to prevent further violations of my rights under the FCRA. I ask that the CFPB intervene and assist in ensuring that my credit information is handled properly and that the inquiries are deleted. Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

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 2025-12-01 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: TX

Complaint narrative:
Ive been trying to fix the issues on my credit report since XXXX, and Im really frustrated because nothing has been corrected. I followed the proper steps, sent my disputes to all three credit bureaus, and even provided supporting documents, but the same inaccurate information is still showing. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) The balance, dates, and payment history dont match anything Ive XXXX received or recognized, and they have not been able to verify it. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) This account also has incorrect and incomplete information, and it has not been verified. 
Ive been doing everything Im supposed to do, but the bureaus are not fixing or removing the information like theyre required to when something is inaccurate or can not be verified. Im just asking for a proper reinvestigation so these errors can finally be corrected. 
I would really appreciate the CFPBs help to get this resolved because Ive been dealing with this for months and I just want my credit report to be 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 2025-12-01 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: TX

Complaint narrative:
Ive been trying to fix the issues on my credit report since XXXX, and Im really frustrated because nothing has been corrected. I followed the proper steps, sent my disputes to all three credit bureaus, and even provided supporting documents, but the same inaccurate information is still showing. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) The balance, dates, and payment history dont match anything Ive XXXX received or recognized, and they have not been able to verify it. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) This account also has incorrect and incomplete information, and it has not been verified. 
Ive been doing everything Im supposed to do, but the bureaus are not fixing or removing the information like theyre required to when something is inaccurate or can not be verified. Im just asking for a proper reinvestigation so these errors can finally be corrected. 
I would really appreciate the CFPBs help to get this resolved because Ive been dealing with this for months and I just want my credit report to be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint about Experians handling of my dispute regarding an XXXX XXXX XXXX XXXX XXXX account ( ending XXXX, balance {$750.00} ). 

On XX/XX/year>, I mailed a detailed dispute to Experian outlining multiple FCRA violations related to this account. A copy of that dispute letter is attached. 

Experian is reporting the status of this account as Charge Off / Loss, while the other bureaus are reporting completely different statuses for the same debt. XXXX  shows it as Open/ Placed for Collection, and XXXX shows it as Refinanced. These are mutually exclusive statuses. One XXXX XXXX XXXX account can not simultaneously be a charge-off, a refinanced account, and an open collection. This inconsistency demonstrates that the data being reported is not reliable, which violates FCRA 607 ( b ) s accuracy requirements. 

Experian is also using a different Last Activity date than XXXX. Experian shows XX/XX/year>, while TransUnion reports XX/XX/year> for the same account. This conflict further shows that the account is not being accurately or consistently reported, in violation of FCRA 609 ( a ). 

In addition, Experians file shows No History Available for this collection, meaning there is no itemized account history, no payment history, and no detailed documentation to support the reporting. Without such records, Experian can not properly verify this collection under FCRA 609 ( a ) and 611. 

There also appear to be inconsistent XXXX identifiers across the bureaus, raising concerns about possible duplicate or mismatched records. 

Despite my written dispute, Experian has continued to report this unverifiable and inconsistent collection account. I am requesting that the CFPB review Experians investigation and require them to either provide full, documented verification of this XXXX XXXX XXXX account or delete it from my Experian 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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Debt reporting and failure to validate debt LVNV Funding LLC XXXX Resurgent Capital Services Description of the issue : I am filing a complaint because LVNV Funding LLC / Resurgent Capital Services has opened two collection accounts in my name without my authorization and has continued reporting them to TransUnion even though they have never provided proper debt validation as required by the FDCPA. 

For more than XXXX year, I have repeatedly requested validation of these alleged debts. They have only sent me account statements, which do not constitute legal validation. They have refused to provide a copy of any signed agreement, contract, original application, proof that the debt belongs to me, or proof that they have the legal right to collect or report this debt. 

Despite the lack of validation, they continue to report two negative collection accounts to TransUnion, damaging my credit profile.

TransUnion completed an investigation but LVNV Funding provided only minimal data, not actual legal validation, and the accounts remain on my report. This violates my rights under FDCPA 809 ( b ), which requires the collector to stop all collection activity, including credit reporting, until proper validation is provided.

I request : 1. Removal of the two LVNV Funding accounts from all credit bureaus.

2. A full validation package, including a signed contract, chain of custody, proof of ownership, and itemized accounting.

3. A review of LVNV Fundings reporting and compliance practices.

I can provide emails, copies of disputes, and correspondence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am filing this complaint because multiple items are being reported inaccurately on my credit reports. I am requesting that the CFPB assist in having these accounts investigated and corrected or removed if they can not be fully verified under the Fair Credit Reporting Act. I am only asking for fair and accurate reporting. 
1. Charged-Off Accounts in Dispute The following charged-off accounts are being reported inaccurately. These accounts are showing a {$0.00} balance but are still appearing as charged-off. I request full verification, including account documentation and confirmation of proper reporting standards : XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$0.00} These accounts are old, inconsistent, and not being reported the same across all bureaus. I request validation or removal. 

XXXX. Hard Inquiries in Dispute I am disputing the following Experian inquiries because they were not authorized by me, or they were pulled excessively without my consent : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request proof of permissible purpose for each inquiry or removal.

3. Late Payments in Dispute These accounts are reporting late payments that I do not recognize or believe to be inaccurate : XXXX XXXX Acct : XXXX XXXXXXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX  Acct : XXXX I request verification of the late payments or correction if inaccuracies exist.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am confirming that I am the consumer who submitted this complaint, and I am providing full authorization for the company to review, investigate, and respond to my complaint. There is no unauthorized third party involved, and I am authorizing the company to access any information necessary to resolve this matter. 

I also want to make it clear that I have already filed an FTC Identity Theft Report because the accounts being reported do not belong to me. My FTC filing further confirms that this complaint is legitimate and submitted by me directly. The company should treat this matter as an identity-theft related dispute and proceed accordingly under all FCRA, FDCPA, and FACTA requirements. 

I authorize the company to move forward with the investigation and provide a full response through the CFPB system. I request that my complaint remain open and continue without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
The item in question does not align with my actual financial behavior. Please update the file after proper evaluation.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Robinhood. 
I deposited USD - XXXX $ then XXXX $ then XXXX XXXX I bought XXXX and sent to my wallet. Everything was fine. But, then I deposited ( from my debit card ) XXXX $ again, I bought usdc XXXX and try to sent to my wallet again. After that, they ( robinhood ) locked my account. I sold XXXX ( converted ) to usd. I tried withdraw XXXX $ ( USD ) to my debit card or bank account, but they restricted my account. I can not withdraw my money. 
They don't answer me, they told me that my account under review till XX/XX/XXXX, but today XX/XX/XXXX and nothing. I don't know what to do. They don't respond and don't call me back. I called them several times, I sent emails a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
The documentation on record does not accurately reflect my financial conduct and appears incomplete. I ask for a thorough review and revision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries were created as a result of identity fraud. I did not authorize, open, or apply for any of these accounts or loans. I discovered the fraudulent activity in XX/XX/XXXX. I am requesting that all fraudulent accounts and unauthorized hard inquiries listed below be removed from my credit report immediately. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$0.00} I did not open or authorize this account. 

Unauthorized Hard 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 XXXXXX/XX/XXXX I did not apply for credit with any of these companies.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting removal of a XXXX charge-off account ( ending in XXXX ) because it is obsolete and beyond the XXXX reporting threshold. 

The Date of First Delinquency is XX/XX/year>, which means the account is nearly XXXX XXXX XXXX and should no longer be reported under the FCRA XXXX rule. 

I contacted Equifax multiple times to request early exclusion or obsolescence review, but they refused to process it even though the account is within the early-removal window. 

I am asking the CFPB to intervene because Equifax is continuing to report an account that is legally obsolete and should be deleted. 

Requested resolution : Immediate deletion of the XXXX charge-off due to obsolescence under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
on XX/XX/XXXXXXXX XXXX XXXX XXXX  I reached out to set up a payment arrangement with WFBNA Auto for a debt collection in the amount of {$7300.00}. That payment arrangement is set to pay the amount of {$250.00} by the XXXX of every month until paid in full. after I set up this payment arrangement I asked for written documentation of the arrangement and receipts for the payments and they denied me that. They told me and they could only give me that information verbally. this made me very uncomfortable having to send out that amount of money without any documentation of proof of where its going. so XX/XX/XXXX of XXXX I went into a Wells Fargo bank and talk to a banker about getting some kind of documentation or proof that we had set this up and they said they had to call that company and once again we fell into the argument of that they can not give it to us written. It has to be verbal. After arguing for quite some time, we finally put our foot down and said we are not leaving here until I have some sort of proof of this agreement that we made for this payment plan thats when the banker took it upon herself to type something up off of what was being Said on the phone and gave us that paper, but the company still denied us any kind of written proof. XXXX so far now Ive made payments. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they still refuse to give us any written documentation or receipts for these payments. With this, they are not reporting to my credit report on my credit port is still showing that I owe the balance of {$7300.00} and its hurting my chances of buying a home for our family. And though they might not have to report after every payment made, they are giving us XXXX ways to track our payments and how much we still owe. I feel like this is a very sketchy way to do business and I dont like to just send my money out flow into just anybody. ive never in my life had to go off of a verbal agreement with any kind of company that doesnt seem like a very professional way to do business. never in my life would I expect it to be so hard to be able to give me written documentation of what I am agreeing to.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: LA

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.

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 2025-12-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: AL

Complaint narrative:
i signed up with daily pay and i am missing funds and my statements have not been updated properly daily pay have not provided any corrections or proper corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CO

Complaint narrative:
I have a collection of {$2300.00} from XXXX traced to an apartment XXXX XXXX XXXX XXXX  This charge is not mine as I have never lived there. The apartment has no record of me when I called them. This charge was dropped with XXXX already but still reporting with Experian, denying my apartment application.

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 2025-12-01 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the following information reported by the credit bureaus listed below. I believe there are errors in the reporting of the accounts mentioned, and I kindly request a thorough investigation into these items to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX XXXX  Date : XX/XX/scrub>XXXX  Late Payments : 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