vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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:
nothing happend i send out the letter XX/XX/year> requiring for proof to verify this account is my becuase i know it not and havent receive anything yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I XXXX  in XX/XX/scrub> 2024 contacted the credit card company who said XXXX is not a hardship even though my income decreased.

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 2025-05-04 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: MS

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX began reporting a collection account to Experian in the amount of {$4600.00}. This debt is allegedly past due as of XX/XX/XXXX. However, I dispute the validity of this debt and have not been provided with any original documentation or itemized statements showing how this amount was calculated. I did not receive a notice of debt, nor did I have an opportunity to validate the accuracy of the amount or the legitimacy of the account before it was reported to the credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am entitled to verification of this debt before it is reported to any consumer reporting agency. Reporting unverifiable or inaccurate information without proper validation is a violation of federal consumer protection laws. 

Despite requesting verification and supporting documentation, XXXX XXXX XXXX failed to respond with any proof that I owe this amount. This unverified collection is negatively impacting my credit report, harming my ability to obtain housing and financial products. 

I am requesting the immediate removal of this collection from my credit report due to failure to validate, lack of original creditor documentation, and inaccurate reporting practices. I also request a full investigation into this companys debt reporting procedures.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion lowered the points of my credit score by XXXX points. But all my loans balances ( e.g. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) have lowered and been paid on time. Even my XXXX account has been removed after. I want my XXXX points added back to show the credit score of 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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I retired in XX/XX/2024 contacted the credit card company who said retirement is not a hardship even though my income decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent account that has been reported to the credit bureaus under my name. i have requied over and over for proof and nothing being done

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 2025-05-04 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 am writing to formally request the removal of a fraudulent account that has been reported to the credit bureaus under my name. i have requied over and over for proof and nothing being done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I am disputing a rental collection account reported by XXXX XXXX XXXX tied to XXXX XXXX XXXX. The alleged debt of {$5900.00} is inaccurate, unsupported, and likely unlawful. 

I completed my lease term at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  under XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have attached : A signed lease agreement showing the lease term. 
A payment receipt showing I paid {$1300.00} to settle any final obligations in XX/XX/XXXX. 
A utility billing statement showing a {$0.00} balance after lease expiration ( dated XX/XX/XXXX ). 

Despite this, a debt was later placed on my credit report without proper documentation, itemization, or notice. This constitutes potential violations of the FCRA and FDCPA, including : Reporting inaccurate or unverifiable information to Experian and other credit bureaus. 
Failing to notify or validate the debt before reporting it. 
Attempting to collect a balance after the lease term ended, with no evidence of new charges owed. 

This entry has caused direct harm to my credit profile and financial opportunities, despite me fulfilling my lease, making payments, and having no outstanding rent or damages. I believe the collection account is fraudulent or improperly calculated and should be removed entirely.

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 2025-05-05 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: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
there was a Privacy/Data breach that violated my rights, and I am requesting a full discharge of my federal student loans. my information was shared without consent and was traded to a new company without permission as well. my personal information and history was shown to others without my signature or permission. 
FERPA - Right to privacy over your student & financial records FCRA 1681s-2 ( a ) - Inaccurate reporting is illegal FCRA 1681 ( a ) ( 1 ) ( A ) - You have the right to dispute and request reinvestigation FDCPA 809 ( a ) - You have the right to request validation of any debt FDCPA 807 ( 8 ) - Misrepresenting a debt on your credit is illegal

Company response to consumer: Untimely response
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-04 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: IL

Complaint narrative:
My Robinhood account was hacked. I was able to recover the account without losing my assets. After recovering my account. I went to move my money out of the once comprised account. The action wasn't allowed saying I have to move the money into the same account it was deposited from. The money was being moved into the exact same account it was deposited from. My account is back to being restricted and is under review. I've tried reaching out to support. I request a call back and they send me an email with no actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: WI

Complaint narrative:
After reviewing my submission, I noticed that the credit bureau stated that my account was properly investigated, but how is that possible when some of the open dates are in accurate the date last active are in accurate and dates last reported are inaccurate this is grounds for removal. They also violated my rights under XXXX XXXX XXXX, section XXXX to a states I have the right to privacy XXXX XXXX XXXX section XXXX a section to it also states a consumer reporting agency can not furnish account without my written instruction, XXXX XXXX XXXX in a XXXX any actual damage, sustained by the consumer as a result of the failure, or damage of not less than {$100.00} and not more than {$1000.00} XXXX XXXX section XXXX states the term investigative consumer report means a consumer report or portion thereof, in which information on a consumers character. General reputation, personal characteristics or mode of living is obtained through personal interview With neighbors, friends or associates of the consumer report it on or with others, with whom he is a XXXX, or who may have acknowledge concerning any such item of information, however, search information shall not include XXXX factual information on a consumer credit report, obtained directly from a creditor of the consumer, or from a consumer reporting agency When search information was obtained directly from a creditor, or of the consumer, or from the consumer. XXXX XXXX XXXX, to subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances, and no other in accordance with the written instructions of the consumer, to whom it relates.

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 2025-05-05 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: WI

Complaint narrative:
After reviewing my submission, I noticed that the credit bureau stated that my account was properly investigated, but how is that possible when some of the open dates are in accurate the date last active are in accurate and dates last reported are inaccurate this is grounds for removal. They also violated my rights under XXXX XXXX XXXX, section XXXX to a states I have the right to privacy XXXX XXXX XXXX section XXXX a section to it also states a consumer reporting agency can not furnish account without my written instruction, XXXX XXXX XXXX in a XXXX any actual damage, sustained by the consumer as a result of the failure, or damage of not less than {$100.00} and not more than {$1000.00} XXXX XXXX section XXXX states the term investigative consumer report means a consumer report or portion thereof, in which information on a consumers character. General reputation, personal characteristics or mode of living is obtained through personal interview With neighbors, friends or associates of the consumer report it on or with others, with whom he is a XXXX, or who may have acknowledge concerning any such item of information, however, search information shall not include XXXX factual information on a consumer credit report, obtained directly from a creditor of the consumer, or from a consumer reporting agency When search information was obtained directly from a creditor, or of the consumer, or from the consumer. XXXX XXXX XXXX, to subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances, and no other in accordance with the written instructions of the consumer, to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
This letter serves as a formal demand and dispute regarding the above-referenced account, which you have reported to the credit bureaus as charged off. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), any information furnished to a consumer reporting agency must be accurate and complete. 

A charged-off account that has been written off as a bad debt and used as a tax deduction by your company should not continue to be reported as an active delinquent balance. If the debt was charged off and written down for tax purposes, then reporting it as an outstanding or collectible debt is factually inaccurate and misleading, and may constitute false and deceptive credit reporting. 

Accordingly, I demand the following : A copy of the IRS XXXX or tax documentation that confirms the debt was written off for your tax purposes. 

Immediate correction or removal of any derogatory tradeline associated with this account that inaccurately portrays it as active or past due. 

Written confirmation that you have ceased collection efforts and that no balance is legally owed, if applicable. 

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and a civil lawsuit for willful and negligent violation of the FCRA, including potential claims under XXXX XXXX. XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX XXXX account managed by XXXX XXXX XXXX that is not owed by me and unauthorized to collect against me on my TransUnion credit report ( File # XXXX ), which reflects a {$1400.00} collection allegedly from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXs not reporting any tradeline, balance, or claim against me on this report. XXXX XXXX has not produced any legal assignment, ownership transfer, or original signed contract identifying me as legally responsible for this debt. No IRS Form 1099-C has been issued. The account lacks legal standing, proper validation, and violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and FDCPA 809 ( b ). I request immediate and permanent deletion of this account from my TransUnion report due to its unverifiable and inaccurate nature.

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 2025-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc.
State: TN

Complaint narrative:
Account XXXX XXXX # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. if not please delete account # XXXX from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses was ever tied to my name. I have updated my address to the current one which I've been here over 10 years with all credit bureaus. Remove these illegal accounts not tied to me under FCRA and FTC Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus TransunionXXXX XXXX XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX XXXX XXXX  I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX  Transunion, and XXXX  report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX XXXX XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Balance {$44.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} Date Opened XX/XX/XXXX XXXX XXXX {$1300.00} Date Opened XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-04 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses was ever tied to my name. I have updated my address to the current one which I've been here over 10 years with all credit bureaus. Remove these illegal accounts not tied to me under FCRA and FTC Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus TransunionXXXX XXXX XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX XXXX XXXX  I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX  Transunion, and XXXX  report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX XXXX XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Balance {$44.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} Date Opened XX/XX/XXXX XXXX XXXX {$1300.00} Date Opened XX/XX/XXXXXXXX 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