vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
( all bureaus recieved this letter ) RE : Account # ( Fill in Account Number ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
On XX/XX/year>, Robinhood restricted me and my Wife individual accounts as well as our joint account totaling {$94000.00}. Robinhood has withheld our funds without providing a reason or a timeline for release, despite multiple phone calls and emails. All responses have been automated and do not address my situation. I have no way to call them or request a call. I have no way to chat with them through the app. I have evidence showing not being able to chat and they sent an email saying they cant offer phone support or schedule call backs. To do this day 4 days later they have not provided reason for restricting our accounts despite providing them with 3 bank statements and government Identification and facial scanning. All I received was an email stating they can no longer maintain our accounts which was first recieved XX/XX/year>. I asked that since accounts are closed as of two business days ago and our cash are fully settled they release funds immediately to our linked bank account. We currently hold no stocks, crypto or options our cash is ready to withdraw and return to us immediately.

This has caused severe financial hardship for my family. I need these funds to pay for baby formula, diapers, daycare, gas, food and water and essential bills like rent. I have my sons 1st birthday party on XX/XX/year> and have so many things needed to be purchased to prepare and vendors to pay and they are ruining everything. 

I have filed disputes with XXXX XXXX and formal complaints with FINRA and SEC, but Robinhood has not responded substantively.

I am requesting that the CFPB take action to ensure : Robinhood provides a clear explanation for the restriction of my funds.

Robinhood releases my funds immediately or provides a timeline for release. 
XXXX XXXX  is reminded of its responsibility to provide provisional credit in cases where a merchant is withholding funds improperly, given the hardship caused. 
I believe Robinhoods withholding of funds without explanation, timeline, or access to speak to a human being is unfair, misleading, and potentially fraudulent, and I urgently need regulator intervention. This is an extremely large sum of money and Robinhood violation of regulatory obligations and requirements have devastating impacts on my family survival each day. I dont know how we will survive much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
according to 15 U.S.C 16818 a credit inquiry may be only made under cetain circumstances and for permissible purpose. additionally, under 15 U.S.C 16818, I have the right to dispute inaccurate information on my credit report. the following inquiry were not authorized by me. so I requested that they have to removed from my credit report immediately ; XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-08-21 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:
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 2025-08-21 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: OH

Complaint narrative:
I am submitting this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer overlook, as they have been negatively affecting both my life and my credit score, preventing me from achieving financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CT

Complaint narrative:
I am disputing the reporting of accounts that appear under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. Their presence on my credit report is inaccurate, misleading, and damaging to my financial history.

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 2025-08-21 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: NC

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX I received a fraudulent text message from a supposedly Wells Fargo saying that my accounts have been tampered with. Upon reviewing my accounts I noticed {$4000.00} has been taken. I informed Wells Fargo and they claim i authorized this, in which I did not. I am a senior citizen and that's all the money I had, considering I am on sick leave.

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 2025-08-21 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: AZ

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Credit Card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Auto loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : RADIUS GLOBAL SOLUTIONS # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XXXX XXXX ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: CA

Complaint narrative:
Good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my mental health and it's also been days I've been having sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Subject : Unauthorized Charge Chase Claiming Apple Pay Use Dear CFPB, I am filing a complaint regarding an unauthorized charge of [ XXXX ] on [ XX/XX/year> ] on my Chase account ending in [ XXXX ]. 

Chase claims this charge was made through XXXX XXXX. This is false. My Chase card is not linked to XXXX XXXX, as shown in the attached screenshots from my XXXX. I have never authorized any transactions through XXXX XXXX. 

Despite this clear proof, Chase denied my claim and cited matching email addresses, which does not prove authorization. They have refused to properly investigate or escalate my dispute. 

I request that the CFPB : XXXX. Investigate Chases handling of this unauthorized charge. 
2. Ensure the dispute is resolved in compliance with Regulation E ( Electronic Fund Transfer Act, 12 CFR 1005 ).

3. Require Chase to reverse the charge and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I am filing a formal complaint against Equifax Information Services for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My credit report maintained by Equifax contains multiple false, unverifiable, and even impossible entries that are damaging my creditworthiness, causing me financial harm, and violating my consumer rights. 

Equifax is reporting the following inaccurate accounts : XXXX XXXX XXXXXXXX Account XXXX listed with a high balance of {$1200.00} and an open date of XX/XX/XXXX. I have never had any account with XXXXXXXX XXXX XXXXXXXX. This account is unverifiable. 

XXXX XXXX XXXX XXXX XX/XX/XXXX. This account is reported as opened in the future, which is factually impossible. 

XXXX XX/XX/XXXX. I have never opened or held any account with XXXX. No contract or application exists. 

XXXX XXXX XXXX XXXX XX/XX/XXXX. Another future-dated account that can not possibly exist. 

These entries violate the FCRA in multiple ways : XXXX ( b ) Equifax is required to follow reasonable procedures to assure maximum possible accuracy. Reporting future-dated and unverifiable accounts proves they have not. 

1681i Upon my disputes, Equifax failed to properly reinvestigate and delete unverifiable information. 

1681n and 1681o By continuing to publish false information, Equifax is engaging in willful and negligent noncompliance with the law, causing me measurable harm. 

The presence of these inaccurate accounts has caused denials of credit, higher interest rates, and emotional distress. Equifax has ignored their obligations under the FCRA and allowed damaging, false information to remain on my report. 

Requested Relief : I am demanding that the CFPB compel Equifax to : Immediately delete the inaccurate and unverifiable accounts listed above. 

Provide me with an updated and corrected credit report. 

Ensure compliance with the FCRA in handling consumer disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
My identity was stolen in XXXX which resulted in charges and a collection of debt I didn't create. I would like all the reported information to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
My identity was stolen in XXXX which resulted in charges and a collection of debt I didn't create. I would like all the reported information to be removed from my credit report.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
I had my card and wallet stolen from and a unauthorized charge on my account for {$860.00} I reported it stolen and disputed for unauthorized charges and provided police reports identity theft documents and receipts and was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CT

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-22 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief