vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Im submitting this complaint due to a serious issue I experienced with Robinhood involving a recent XXXX  transaction and my account being restricted without clear explanation. 

On XX/XX/year>, I sold about {$67000.00} worth of the XXXX XXXX XXXX XXXX XXXX XXXX  through Robinhood. I then used part of that amount to purchase roughly XXXX XXXX ( XXXX ) for {$20000.00}. 

Shortly after the purchase, I attempted to transfer XXXX out of Robinhood, but each transfer failed : XXXX XXXX ( ~ {$4900.00} ) failed XXXX XXXX ( ~ {$4900.00} ) failed XXXX XXXX ( ~ {$4900.00} ) failed Then, without warning or a clear reason, Robinhood restricted my account, preventing me from accessing funds or using the platform. 

Ive tried reaching out to Robinhood support multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/scrub>XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX - XXXX  - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-23 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: TX

Complaint narrative:
I respectfully dispute the accounts in question on my credit file, as they appear to be fraudulent. I ask that they be investigated and removed accordingly. Supporting evidence is enclosed.

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 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Receive this message from midland credit management on XX/XX/year> at XXXX This message for XXXX XXXX XXXX your case number XXXX. Hello, my name is XXXX XXXX. I am an independent courier. I've been tasked with delivering a certified documents that are attached to your name and social security number. I am scheduled delivered to these to you tomorrow between XXXX and XXXX XXXX. If I'm unable to gain your signature at your home, then I am required to come to your place of employment. Which is where I will need your supervisor or manager to sign off as a witness. If I fail to reach you, at either of these locations, then I do have to mark you as a refusal to sign. And the proceedings will continue without you. If you would like to take any further information regarding this matter, you can call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
This is a formal dispute under FCRA 607 ( b ), 611. Pursuant to XXXXXXXX XXXX XXXXXXXX  ( XXXX XXXX XXXX ), you must conduct an independent reinvestigation. 
XXXX. XXXX XXXX  XXXX Acct # XXXX ) Your report shows this account as XXXX {$0.00}, with Monthly Payment {$1400.00}, and a XXXX day late in XX/XX/year>. 
XXXX  shows this account Open/ {$20000.00}, while XXXX  also reports Closed/ {$0.00}. 
These inconsistencies across bureaus breach FCRA 607 ( b ) and Metro 2 ( Account Status, Scheduled Monthly Payment, Payment History Profile, Date Closed ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
To Whom It May Concern I am submitting this formal complaint regarding multiple inaccuracies on my credit report which are severely impacting my financial well-being and causing undue stress These accounts have been reported incorrectly and/or contain erroneous information and must be investigated and corrected under the Fair Credit Reporting Act 15 U S C 1681 et seq and the Fair Debt Collection Practices Act 15 U S C 1692 et seq XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Credit XXXX Collection This account is being reported incorrectly I have never received proper notice or validation of this alleged debt yet it appears on my credit report damaging my credit history The reporting of this account has caused me to be denied financial opportunities including higher interest rates on legitimate credit and difficulty securing necessary financial services The constant presence of this inaccurate collection has created a persistent feeling of anxiety and helplessness making it difficult to plan financially I demand immediate investigation verification from the original creditor and removal or correction of this account XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX High Credit XXXX Collection This account is inaccurately listed as a collection I have never received proper communication or validation of this debt and the reporting agency has failed to follow proper procedures under the FCRA The presence of this false account has negatively impacted my ability to secure housing and obtain financial services It has created ongoing emotional distress as I constantly worry about the long-term damage to my credit and financial stability I demand that this account be fully investigated verified and corrected without delay These repeated errors across multiple accounts show a clear pattern of negligence and violation of my federal rights The inaccurate reporting has caused direct financial harm undue stress and significant disruption to my life I demand that all of these accounts be fully investigated verified with proper documentation from the original creditors and corrected or deleted from my credit report immediately I expect written confirmation of all corrections so that my consumer rights are fully restored

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 2025-09-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
I had XXXX with XXXX XXXX XXXX and was unsatisfied with the XXXX  as the results were damaging my XXXX. I contacted the company and this was resolved by terminating our financial contract and bringing my balance to zero as well as reimbursing partially for the service. Since then XXXX XXXX XXXX has had many medical malpractice lawsuits and has since closed. They have and can no longer render services provided.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I am filing a formal complaint against Goldman Sachs for their failure to secure my Apple Card account from persistent, fraudulent transaction attempts. 

Since XX/XX/XXXX, my account has been targeted by repeated fraudulent charges of {$24.00} from a merchant listed as XXXX XXXX XXXX  While I have successfully declined each authorization attempt, the fraudulent activity continues. The dates of these attempts are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have made multiple attempts to resolve this issue by contacting Goldman Sachs support. During a call on XX/XX/XXXX an agent provided me with the specific Merchant ID associated with every fraudulent attempt XXXX XXXXXXXX. 

Despite providing their own support team with this unique identifier, I was explicitly told that they are unable or unwilling to block this XXXX ID from making further attempts on my account. This constitutes a failure to perform a basic and necessary security function. 

Their only proposed solution was for me to close my credit account entirely and re-apply for a new one. This is an unacceptable resolution that places an unreasonable burden on methe victimpotentially impacting my credit history and forcing me to update payment details for all my legitimate accounts, all due to their internal security shortcomings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: RI

Complaint narrative:
XXXX XXXX, a Division of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate Late Payment Reporting Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Type : FHA Mortgage * Opened : XX/XX/XXXX * Current Balance : {$100000.00} * Monthly Payment : {$1000.00} According to my Experian credit report dated XX/XX/XXXX, a late payment was reported in XX/XX/XXXX. This entry is incorrect and requires immediate removal for the following reasons : XXXX. Automatic Payments Were Active. I had established automatic payments well before the alleged delinquency, ensuring my account was paid consistently and on time. It would be illogical for a late payment to occur under these circumstances unless due to a processing error within your system. 

XXXX. XXXX XXXX Military Departure. During XX/XX/XXXX, I was away on XXXX XXXX under the XXXX XXXX. I have enclosed my official Letter of Departure Orders as proof. The XXXX provides specific protections for servicemembers to prevent adverse credit reporting due to XXXX circumstances. 

XXXX. Error in System. If I was serving my country abroad and had auto-pay in place, a late payment could only result from an internal system error, not from negligence on my part. 

Because of this mistake, my credit profile has been unfairly damaged. This error has serious consequences on my financial standing, and as such, I demand : * Immediate removal of the XX/XX/XXXX late payment entry from my XXXX XXXX  account history. 

* Written confirmation of corrected reporting sent to Experian, XXXX, and XXXX. 

* A full written explanation of how this error occurred and the safeguards XXXX XXXX  will take to prevent recurrence.

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 2025-09-23 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: RI

Complaint narrative:
XXXX XXXX, a Division of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate Late Payment Reporting Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Type : FHA Mortgage * Opened : XX/XX/XXXX * Current Balance : {$100000.00} * Monthly Payment : {$1000.00} According to my XXXX  credit report dated XX/XX/XXXX, a late payment was reported in XX/XX/XXXX. This entry is incorrect and requires immediate removal for the following reasons : XXXX. Automatic Payments Were Active. I had established automatic payments well before the alleged delinquency, ensuring my account was paid consistently and on time. It would be illogical for a late payment to occur under these circumstances unless due to a processing error within your system. 

XXXX. XXXX XXXX Military Departure. During XX/XX/XXXX, I was away on XXXX XXXX under the XXXX XXXX. I have enclosed my official Letter of Departure Orders as proof. The XXXX provides specific protections for servicemembers to prevent adverse credit reporting due to XXXX circumstances. 

XXXX. Error in System. If I was serving my country abroad and had auto-pay in place, a late payment could only result from an internal system error, not from negligence on my part. 

Because of this mistake, my credit profile has been unfairly damaged. This error has serious consequences on my financial standing, and as such, I demand : * Immediate removal of the XX/XX/XXXX late payment entry from my XXXX XXXX  account history. 

* Written confirmation of corrected reporting sent to XXXX, Equifax, and XXXX. 

* A full written explanation of how this error occurred and the safeguards XXXX XXXX  will take to prevent recurrence.

Company response to consumer: Closed with non-monetary relief