vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
As of XX/XX/XXXX, all my funds have been inaccessible in my Robinhood account as well as Robinhood crypto. I was told my account has been restricted and they were requesting documents. I promptly sent the requested documents that same day, and was told my case would be reviewed and settled by XX/XX/XXXX, but was never told what I did to get my account restricted. On XX/XX/XXXX noticed my review date had been pushed to XX/XX/XXXX, again with no explanation. Their support is very hard to reach. And they provide me with generalized information, not assisting me. I expressed to them that I no longer wish to use their services and at this point would just like to be able to withdraw my funds and deactivate my account, and was told via phone on XX/XX/XXXX due to the restriction I was unable to withdraw my money until the review has completed. I also asked what was stopping them from extending the review again and was told that that is also a possibility but this particular support agent does not have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Immediate Removal of Fraudulent Accounts Identity Theft Report # XXXX Dear TransUnion XXXX XXXXt, I am writing to formally request the immediate removal of multiple fraudulent accounts and inquiries from my credit report pursuant to my rights under the Fair XXXX XXXX XXXXt ( XXXX ) and XXXX Identity Theft Protections. 

I have filed an official FTC Identity Theft Report ( ID Theft Report # : XXXX ) and have enclosed a copy for your records. I am the victim of identity theft and the following accounts were opened without my knowledge, consent, or authorization : Fraudulent Accounts to Be Removed : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Amount : {$0.00} XXXX Recovery Account Number : XXXX Date fraud began : XX/XX/XXXX Amount : {$520.00} XXXX Collection Services Account Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$240.00} XXXX XXXX XXXXe Account Number : XXXX Date XXXX XXXX XXXX XX/XX/XXXX Amount : {$3000.00} Fraudulent Inquiries to Be Removed : XXXX XXXX  XXXX ( XXXX XXXX XXXX ) XXXX CARD XXXX XXXX XXXX Union ( XXXX XXXX ) In accordance with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX accounts and inquiries be blocked and permanently removed from my credit report. As required by law, TransUnion must act on this request within XXXX business days of receiving the identity theft documentation. 

Attached Documents : FTC Identity Theft Report ( # XXXX ) Government-issued ID Proof of address ( e.g., utility bill or lease agreement ) Please send confirmation in writing that these items have been removed from my credit file. If you require any additional information, you may contact me using the information provided above. 

Thank you for your prompt attention to this serious matter.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am writing to formally dispute this collection account listed under my name and to notify you that my personally identifiable information ( XXXX  ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent. 

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the XXXX XXXX XXXX XXXX XXXX XXXX ), specifically Section XXXX [ XXXX XXXX  XXXX ], I am exercising my right to request that any fraudulent information resulting from identity theft be XXXX  and removed from my credit file. 

With this complaint, I will attach proof of XXXXx XXXX XXXX and my personal information including my social security and other private information that was spotted on numerous dark webs and has been exposed and is being used without my permission. A Identity theft affidavit will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute this collection account listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

With this complaint, I will attach proof of XXXX  data breach and my personal information including my social security and other private information that was spotted on numerous dark webs and has been exposed and is being used without my permission. A Identity theft affidavit will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am writing to formally dispute this collection account listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent. 

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file. 

With this complaint, I will attach proof of XXXX  data breach and my personal information including my social security and other private information that was spotted on numerous dark webs and has been exposed and is being used without my permission. A Identity theft affidavit will be attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the items are mandated. Kindly review the listed items below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$240.00} Date XXXX Last Payment : XX/XX/XXXX Late Days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Balance {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * XXXX XXXX Balance {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * XXXX XXXX Balance {$1400.00}

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 2025-07-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion / Equifax / XXXX XXXX XXXX : Final Dispute Unverified Account Still Reporting ( Account # XXXX  ) To Whom It May Concern, This is a formal and final dispute notice regarding the continued reporting of an account allegedly associated with XXXX XXXX, account # XXXX I initially submitted my dispute and debt validation request in XX/XX/XXXXXXXX  and have received no adequate response, no supporting documentation, and no legal verification of this debt. 

As required under : FCRA 15 U.S.C. 1681i You must reinvestigate and delete any unverifiable information FDCPA 15 U.S.C. 1692g ( b ) You must cease collection activity and validate upon request FCRA 1681s-2 ( b ) Data furnishers must correct or delete inaccurate information after notice from a consumer You have failed to comply. It has now been over 30 days since my initial request. The continued reporting of this unverified account is causing damage to my credit profile and is considered a willful violation of my consumer rights.

I am now demanding : 1. Immediate deletion of this account from all consumer reporting agencies 2. A full method of verification, including original documentation, if you intend to continue reporting 3. Written confirmation that this dispute has been resolved If this matter is not addressed within 7 business days, I will be filing formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Georgia Attorney Generals Office I am also prepared to consult legal counsel for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

You are now on legal notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
b'Inaccurate information reported across all three credit reporting agencies.'

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 2025-07-14 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: AL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I initiated a request for the correction of erroneous data on my credit report, which another credit bureau has already found to be incorrect and has subsequently removed. Your bureau has failed to respond adequately or has provided what I consider to be a frivolous response. As such, the Credit Bureaus violate FCRA regulations, and I need my records updated without further delay. Below is a list of accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-14 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: GA

Complaint narrative:
SUMMARY OF VIOLATIONS AND DEMAND FOR RELIEF This is a formal complaint and notice of intent to escalate pursuant to the XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX et seq. ), the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX et seq. ), the XXXX XXXX XXXX XXXX XXXX XXXXt ( XXXX XXXX. XXXX ), and the XXXX XXXX ( XXXX XXXX. XXXX ). 

I, the undersigned consumer, am demanding IMMEDIATE DELETION of all XXXX XXXX XXXX reported by [ Student Loan Servicer ], as the accounts are : Legally unverifiable : No contract or promissory note has been furnished showing legal standing or assignment. 

XXXX-only debt : The alleged XXXX is not a lender, creditor, nor legal assignee and thus lacks standing to report or collect. 

Riddled with inaccuracies : The student loan accounts are reporting outdated, false, or materially misleading data in violation of XXXX XXXX. XXXX ( b ). 

In violation of XXXX : XXXX XXXX XXXX ( XXXX ) and XXXX are illegally sharing protected educational records and personal identifiers without prior written consent, contrary to XXXX XXXX. XXXX ( b ) ( XXXX ). 

Failure to conduct lawful investigation : Prior disputes have resulted in form-letter responses that fail to meet the procedural and evidentiary standards set forth in XXXX XXXX. XXXX and XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 

Student Loans Account ( XXXX ) ( XXXX ) XXXX * * * * ( XXXX accounts listed on my credit report ) ( XXXX  ) XXXX * * * * ( XXXX ) XXXX * * * * ( XXXX  ) XXXX * * * * ( XXXX accounts listed on my credit report ) ( XXXX ) XXXX * * * * ( XXXX ) XXXX * * * * ( XXXX  ) XXXX * * * * ( XXXX accounts listed on my credit report ) ( 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 non-monetary relief
Consumer complaint received 2025-07-14 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Sent debt validation XX/XX/25 and received no response but text and emails on paying the debt. I called to get information on what debt was for. I was advised of what debt was for but no response to letters and disputes keep getting denied.

Company response to consumer: Closed with non-monetary relief