vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
To see this invalid data on my Experian Credit Report. Log into Experian, you will see my Inaccurate credit score, XXXX. 
Scroll all the way down to bottom of Report to see ( Credit ). 
Click ( Credit ) you will see XXXX categories listed vertically. On the bottom of the Report you will see ( Auto, Credit Cards, Mortgages ). 

ALL data reported here is NOT accurate. 
I had XXXX XXXX XXXX XXXX XXXX XXXX. Roughly {$32000.00} loan and was NEVER late on my payment. Data referencing my payments is NOT accurate. 
I've had many Credit Cards that I can't say was on time or paid perfectly. 
I've ( Never ) had a mortgage. Therefore All of the related data to mortgage is NOT valid. 

It appears as though someone copied and pasted all of this Inaccurate information. 
Please have Experian to accurately represent me. 
Thanks much.

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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am writing to formally dispute an account listed on my XXXX  credit report as a rental property debt. The account in question is inaccurate and unverifiable, and I am requesting its immediate removal under the protections afforded to me by federal law. 

Upon vacating the rental property, both first and last months rent had already been collected. Any outstanding balance was settled at the time the keys were returned. No additional amounts were ever communicated to me by the landlord, nor did I receive any form of written or electronic correspondence regarding any alleged remaining balance. 

This purported debt was not disclosed or reflected in my rental history when my current landlords conducted a tenant screening. I have resided at my current residence for over XXXX years, and this alleged rental debt only appeared on my credit report in XX/XX/2024. The timing and nature of this entry raise serious concerns regarding its validity. 

Furthermore, the debt collector has failed to provide any documentation verifying the debt or the original contract they claim to have acquired. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I have the right to request validation of the debt, and failure to provide this information is a violation of that statute. Additionally, reporting unverifiable information to a credit bureau without proper investigation violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2. 

I am requesting that XXXX conduct a thorough reinvestigation of this entry and remove the account if the furnisher of information can not provide adequate proof, such as : A copy of the original lease or agreement; A detailed breakdown of charges owed ; Evidence that I was notified of the balance ; Documentation showing the transfer or purchase of the debt by the collection agency. 

Thank you for your attention to this matter. I request that this account be deleted from my credit report unless it can be fully validated according to federal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted formal disputes with all three credit bureaus regarding a Midland Credit Management collection account. I attached a dispute letter, government-issued ID, and a utility bill showing my current address. Despite this, all three bureaus marked the account as verified without providing any documentation to support their verification. 

XXXX   reported the account as Closed on XX/XX/XXXX, but then reinserted it on XX/XX/XXXX, showing the status as Placed for Collections. They also falsely listed Midland as the original creditor on XX/XX/XXXX, then changed it to The XXXX XXXX XXXX on XX/XX/XXXX. The account is marked both Closed and XXXX Collections, which is misleading and contradictory. They reported a last payment date of XX/XX/XXXX. 

XXXX  listed the account as Open and labeled it a Debt Buyer Account, yet left the Date of Last Activity blank. They marked the account as verified without ever supplying validation documents. 

Experian updated the balance on XX/XX/XXXX, but the amount remained unchanged at {$1100.00} suggesting re-aging. They labeled the term as 1 Month and {$0.00} scheduled payments, which misrepresents the nature of the debt. All three bureaus acknowledged my dispute with language like Account information disputed by consumer, but no documents were ever provided. 

I specifically requested : A signed contract with my signature An itemized breakdown of the account Proof of ownership or assignment Proof of license to collect in Maryland Any documentation used to verify the account None of this was provided. 

Violations Committed Include : FCRA XXXX ( a ) ( XXXX ) Failure to provide information used in verification FCRA XXXX ( a ) ( XXXX ) Failure to investigate and correct inaccurate or incomplete information FCRA XXXX ( b ) Re-inserting previously deleted or closed information without notice FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be inaccurate FCRA XXXX ( a ) ( XXXX ) Failure to correct and update incomplete or inaccurate information FDCPA XXXX ( XXXX ) ( A ) False representation of the character, amount, or legal status of a debt FDCPA XXXX ( b ) Continued collection without proper validation after a dispute I am now preparing to file a civil complaint and pursue binding arbitration where applicable. I will seek full deletion of the account, statutory and actual damages, and all legal costs associated with the violations above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: WA

Complaint narrative:
Heres the corrected and finalized version of your letter, ready for PDF formatting : XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX National Recovery Agency NRA Group , LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Debt Validation Request Account Opened : XX/XX/XXXX Amount Claimed : {$840.00} To Whom It May Concern : I am writing in response to a collection notice regarding an alleged debt in the amount of {$840.00}, which you claim I owe and state was opened on or around XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( XXXX  ), XXXX U.S.C. XXXX, I am formally requesting complete validation of this debt. 

Until you provide all of the following documentation, you are required to cease all collection activities, including reporting this account to any credit reporting agencies : A full breakdown and itemization of the debt, including the original balance, interest, fees, and any other charges. 
The name and address of the original creditor. 
Proof that I am legally obligated to pay this debt ( e.g., a signed contract or agreement ). 
Evidence that you, NRA Group , LLC, are legally authorized to collect in the XXXX of Washington. 
Documentation verifying that the debt is within the applicable statute of limitations. 
Copies of any judgments ( if applicable ). 
Proof that this debt has not been the result of identity theft or error. 

If you can not provide proper validation, I demand that this alleged debt be removed from all credit reporting agencies immediately and that you cease any further collection efforts. Please consider this letter as notice that I am disputing this debt in its entirety and requesting immediate investigation and removal. 

Furthermore, if you continue to attempt collection without verifying the debt as required, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Washington XXXX Attorney XXXX XXXX. 

I expect a response within XXXX  days of your receipt of this letter. 

Sincerely, 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 2025-05-02 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$440.00} Open Date XX/XX/XXXX XXXX Balance : {$420.00} Open Date XX/XX/XXXX XXXX Balance : {$100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$440.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$580.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXX XXXX XXXX Date 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 2025-05-02 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX Balance : {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TN

Complaint narrative:
Date, XXXX XXXX Amount, {$4600.00} First I sent a Debt Validation Letter to dispute the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate personal information reported by XXXX or more consumer reporting agencies. An address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX is being reported on my credit file. 
On XX/XX/2025, I submitted a formal dispute and address update request to all three credit bureaus : Equifax, Experian, and TransUnion. I provided proof of identity and requested removal of the incorrect address and replacement with my accurate and current address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
Under FCRA 611, the agencies are required to conduct a reasonable reinvestigation within XXXX days. I have attached copies of my dispute letters and identification. If the inaccurate address is not removed, it can lead to potential misrepresentation of my credit profile and may affect credit decisions.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate personal information reported by XXXX or more consumer reporting agencies. An address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX is being reported on my credit file. 
On XX/XX/2025, I submitted a formal dispute and address update request to all three credit bureaus : Equifax, Experian, and TransUnion. I provided proof of identity and requested removal of the incorrect address and replacement with my accurate and current address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
Under FCRA 611, the agencies are required to conduct a reasonable reinvestigation within XXXX days. I have attached copies of my dispute letters and identification. If the inaccurate address is not removed, it can lead to potential misrepresentation of my credit profile and may affect credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am writing to formally file a complaint against Robinhood Markets Inc regarding my inability to access my trading account. Since XXXX XXXX I have been unable to log in, which has prevented me from executing trades and has resulted in financial losses. I had previously encountered no issues accessing my account. 

Upon attempting to log in, I was unexpectedly prompted to upload biometric identification documents, such as a drivers license which I have never been required to provide before and selfie. However even after uploading my driver 's license for the XXXX or more time, the problem has not yet been solved. This has left me unable to access my account or manage my investments for almost XXXX weeks. 

I have made several attempts to contact Robinhoods customer support for assistance. Unfortunately, their phone line does not connect to a representative, and I was directed to seek support via the app. However, I can not access the app due to my login issues. Additionally, my emails to XXXX or XXXX seem to be getting answered by an automated service. 


I believe Robinhood 's handling of this situation may violate regulations concerning customer access and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX : {$670.00} Open Date XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX : {$570.00} Open Date XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX : {$500.00} Open Date XX/XX/XXXX XXXX XXXX BANK XXXX XXXX : {$470.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX  FINANCIAL Date XXXX XXXX, XXXX XXXX FINANCIA Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX  XXXX  F Date XXXX XXXX, XXXX XXXX XXXX AUTO Date XXXX XXXX, XXXX XXXX XXXX SERVI Date XX/XX/XXXX XXXX  FINANCIAL Date XX/XX/XXXX XXXX  XXXX FIN Date XX/XX/XXXX XXXX  AUTOMOTIVE Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX CAP XXXX VIA DEALER Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: OK

Complaint narrative:
I am writing to formally report identity theft involving fraudulent activities and unauthorized accounts that have been inaccurately reported on my credit reports. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a Repossession Account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts at XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, a Collection Account at XXXX ( XX/XX/XXXX ), and a Collection Account at XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These unauthorized accounts have resulted in multiple fraudulent hard inquiries and unlawful collection activities, causing significant harm to my credit. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of all fraudulent accounts and related inquiries from my credit reports with Equifax, Experian, and TransUnion, and that all collection activities tied to these accounts cease immediately. Enclosed are my FTC Identity Theft Affidavit and proof of identity to support this claim ; I urge prompt resolution and written confirmation once these fraudulent entries have been removed.All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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