vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
I am responding to XXXX XXXX XXXX XX/XX/year>, letter regarding the alleged balance owed to XXXX XXXX. I maintain that the charges being reported are inaccurate, unsubstantiated, and misleading for the following reasons : No Valid Debt Validation Received Despite my prior verbal request and now multiple disputes including confirmation of my correct address, I never received a debt validation notice within the time frame required under the Fair Debt Collection Practices Act ( FDCPA ), 809 ( a ). The companys claim that validation documents are only now being mailed ( months after collection activity began ) confirms a violation of federal law.

I Was Not the XXXX XXXX  I was not the XXXX XXXXholder on the XXXX XXXX account. I was an XXXX  and paid approximately {$2000.00} voluntarily and under pressure, believing I would be held legally liable despite never receiving formal notice that I owed the debt or a clear explanation of the charges. I was coerced under the XXXX  of legal action, and no documentation was offered to confirm I owed the balance in question. 

Partial Payment Acknowledgment of Full Debt My partial payment was not an admission of liability but an attempt to settle matters in good faith while under duress. That does not validate the full balance or shift the burden of proof away from your office. If the full balance were valid and substantiated, it would have been formally communicated along with a breakdown of charges before collection activity began, not afterward. 

Violation of XXXX Rights and Coercion Your letter misrepresents the nature of our communications. I was not treated with dignity and respect. I was coerced, misinformed about my rights, and pressured to pay without receiving basic required documentation. That is unethical and potentially unlawful. 

In light of the above, I reiterate : I dispute this debt in full. 

I demand immediate removal of any negative reporting related to this debt on my credit report until proper validation is supplied. 

I request a full itemized breakdown of all charges, lease documentation proving my liability, and the name and signature of the XXXX XXXXholder. 

I request that all future communication be in writing. 

Until you can prove I am legally responsible for this debt through valid documentation and meet all regulatory requirements, I consider this matter unresolved and contested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submiited a dispute regarding inaccurate reporting and Equifax has sent me 3 letters to verify my identity. 2 of the 3 times my IDs were sent by certified mail. My IDs are my valid drivers license and social security card. I have now received a 4th request for identification. I can not continue sending certified letters w copies of my IDs. They do not say why they are not accepting my IDs they just keep sending requests for my ID and have not resolved my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The late payments reported on my credit file from XXXX XXXX XXXXXXXX, XXXX. ( account ending XXXX, opened XX/XX/scrub>/2023 )XXXX XXXX XXXX XXXXXXXX ( account ending XXXX, opened XX/XX/scrub>/2023 ), and XXXX XXXX XXXX ( account ending XXXX, opened XX/XX/year>2023 ) are being inaccurately reported across TransUnion, XXXX and XXXX  These derogatory marks are damaging my credit reputation unjustly and causing tremendous personal and financial hardship. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, the credit bureaus are legally obligated to conduct a reasonable and thorough reinvestigation of any disputed information. Moreover, the provisions of 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) require creditors and reporting agencies to ensure the accuracy of reported payment history, correcting any inaccuracies promptly. It is apparent these late payment entries have not been verified with proper documentation or reconciled with my actual payment history, suggesting negligent data handling possibly linked to systemic issues like data breaches rather than legitimate consumer actions.

The impact of these inaccurate late payments has been devastating. I have endured repeated denials of credit, increased borrowing costs, and significant emotional strainstress that affects every aspect of my daily life, from my ability to support my family to my mental well-being. These erroneous reports continue to obstruct my efforts to rebuild my financial stability. The failure of the credit bureaus and creditors to properly investigate and update these records is not only a violation of federal law but a breach of the trust consumers place in these institutions. The compounded damage caused by this negligence can not be overstated, as each late payment entry perpetuates an unfair and harmful misrepresentation of my creditworthiness.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX at XX/XX/XXXX on XXXX XXXX in XXXX Massachusetts I used ATM machine to withdraw {$100.00} from my account I had funds available what happened was it said something like insufficient funds or declined I went right out of store into my car and opened my Chime account app and saw that money pending I went right back into store and checked machine no money again I went right back out and called Chime very frustrating they had me wait over 15 minutes to speak representative who told me that they could see that something was going on and assured me not worry that with XXXX to XXXX I would get money back it never happened so I had move forward on opening a claim which they me it would be resolved soon unfortunately they took exactly 50 days to deny and take money from my account. I am extremely upset because Chime and XX/XX/XXXX never ever looked at ATM video to prove that I never received {$100.00} from ATM on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-16 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: GA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: OH

Complaint narrative:
Received two text one on XX/XX/XXXX and another one on XX/XX/XXXX from a XXXX  number regarding Shepherd Outsourcing about a XXXX XXXX XXXX XXXXXXXX credit Card for which the current creditor is XXXX XXXX XXXX XXXX. I have no connection to Missouri or have ever had this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX 2024, a {$92.00} charge from XXXX Car Rental appeared on my American Express card ( last four digits : XXXX ). I did not authorize this transaction and have no agreement or rental with XXXX for that date or amount. This is the third unauthorized charge from XXXX on my account, despite American Express previously assuring me that the merchant would be blocked. Prior unauthorized charges were refunded after dispute. I have contacted both XXXX and American Express multiple times, but this unauthorized charge remains unresolved. My only legitimate XXXX transaction was on XXXX XXXX 2024, for {$540.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: IA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$1800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The late payments reported on my credit file from XXXX XXXX  XXXX, XXXX. ( account ending XXXX, opened XX/XX/scrub>/2023 ), XXXX XXXXXXXX XXXX ( account ending XXXX, opened XX/XX/year> ), and XXXX XXXX XXXX ( account ending XXXX, opened XX/XX/year> ) are being inaccurately reported across XXXX XXXX XXXXnd Equifax. These derogatory marks are damaging my credit reputation unjustly and causing tremendous personal and financial hardship. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, the credit bureaus are legally obligated to conduct a reasonable and thorough reinvestigation of any disputed information. Moreover, the provisions of 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) require creditors and reporting agencies to ensure the accuracy of reported payment history, correcting any inaccuracies promptly. It is apparent these late payment entries have not been verified with proper documentation or reconciled with my actual payment history, suggesting negligent data handling possibly linked to systemic issues like data breaches rather than legitimate consumer actions.

The impact of these inaccurate late payments has been devastating. I have endured repeated denials of credit, increased borrowing costs, and significant emotional strainstress that affects every aspect of my daily life, from my ability to support my family to my mental well-being. These erroneous reports continue to obstruct my efforts to rebuild my financial stability. The failure of the credit bureaus and creditors to properly investigate and update these records is not only a violation of federal law but a breach of the trust consumers place in these institutions. The compounded damage caused by this negligence can not be overstated, as each late payment entry perpetuates an unfair and harmful misrepresentation of my creditworthiness.

Specifically concerning Equifax, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed that Equifax has engaged in sham investigations and failed to comply with the obligations under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), which mandates a complete, thorough, and timely reinvestigation of disputed information. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), any inaccurate or unverifiable information must be promptly corrected or deleted. Equifaxs continued reporting of these disputed late payments without proper validation is a flagrant violation of these legal mandates and contributes to the ongoing harm I face.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Monday morning, Robinhood locked my account and said that someone tried to access it from XXXX. They asked if it was me and I said no. I spoke with someone over the phone who requested XXXX pictures of my face, a picture of my drivers license, a copy of my mortgage statement, and a copy of my XXXX bill. I provided all this information and she said that my case would have to be escalated to unlock my account. Well its not been 5 days and I am getting zero responses from Robinhood. They are holding my account and money hostage and will not unlock my account. They have zero real ways to contact them if your account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting unauthorized credit inquiries made without my consent, which have negatively impacted my credit score. I was assured these would be removed, yet they still appear. This raises serious concerns about potential identity theft and continues to cause undue stress. I demand their immediate deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-16 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: GA

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. 


List of Unauthorized Inquiries : 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I do not recognize the addresses listed below. Please remove them. Thank you. 
XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY 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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: PA

Complaint narrative:
I have never received my payment from a pending withdraw from the gas station and also I sent somebody money canceled it and never received the payment back at all yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I had noticed someone XXXX  something in my name I had contacted the police department they told me I couldnt get a police report into the company they need to remove it because its not showing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 didn't open these accounts, and they appeared to be fraudulent. I request you to thoroughly investigate them and remove them removed from my credit report. Attached are relevant supporting materials.

Company response to consumer: Closed with explanation