vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: WI

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 in a word document. 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 605B of the Fair Credit Reporting Act.

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 2025-07-22 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: DISCOVER BANK
State: CA

Complaint narrative:
I am disputing a XXXX  Discover Card account reporting inaccurately on my credit report. I am not liable for this debt and have no signed agreement or proof of obligation with Discover. I formally disputed the account and demanded validation in accordance with XXXX XXXX XXXX, XXXX ( FCRA ) and XXXX XXXX XXXX ( FDCPA ). 

Discover has not responded to my dispute or provided any documentation to verify the accuracy of the tradeline. This is a direct violation of the FCRA, specifically : XXXX ( a ) ( XXXX ) : Failure to investigate disputed information within XXXX  days XXXX ( b ) : Duty of furnisher to investigate, correct, and update inaccurate info XXXX ( b ) : Failure to maintain accuracy and integrity of information No original signed agreement, full accounting records, or legal validation have been provided. The account remains on my credit reports with false and harmful information. Discovers failure to respond also constitutes willful noncompliance under XXXX XXXX XXXX, exposing them to statutory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ bureau_name ] continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am writing in response to the companys resolution provided to the Consumer Financial Protection Bureau. I am not satisfied with their response and request that this matter remain open for further investigation and resolution. 
I previously disputed the following accounts, which are inaccurately reported on my credit file and remain unresolved : XXXX  XXXX  Account Number : XXXX Balance : {$2000.00} Original Creditor : XXXX XXXX XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX  XXXX XXXX  XXXX XXXX Number : XXXX : $ XXXX Creditor : XXXX XXXX I have disputed these accounts multiple times with the credit reporting agencies, and yet they remain without proper validation or correction. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. The responses I have received either lacked sufficient documentation or failed to address my concerns altogether. 
I am requesting that the CFPB continue to investigate this matter. I ask that the company provide proper validation of the debt, including but not limited to : A copy of the original signed contract A full payment history Proof of legal ownership or assignment of the debt Explanation of how the debt amount was calculated Method of investigation in full explanation Thank you for your continued support in helping to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX we went to XXXX XXXX store in XXXX XXXX XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Arizona. We were not charged for our order that day in the amount of XXXX. Instead they charged us 2 months later on XX/XX/year>. They only have 30 days to charge people and they informed me over the phone that they were doing this to everybody. I spoke with my bank and they said because we paid in store that there is nothing they can do. I informed I was not in the store in XXXX and that I was charged 2 months later in the amount of XXXX they said still nothing they can do.

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 2025-07-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the presence of several closed accounts currently listed on my credit report, which are the result of identity theft and contain inaccurate, false, or fraudulent information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, and under my rights afforded by XXXX XXXX Code XXXX and XXXX, I am requesting the permanent deletion of all closed accounts on my credit report that are inaccurate or linked to identity theft. These entries were not authorized by me, and they continue to negatively impact my creditworthiness and personal privacy. 

Delete Account * XXXX XXXX XXXX Delete Account XXXX XXXXXXXX XXXX  Delete Account XXXX XXXX XXXX XXXXXXXX Delete Account XXXX XXXXXXXX XXXX XXXX Delete Account 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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Dispute of Unauthorized Collection Account Dear Sir or Madam, I am writing to dispute the following information on my credit report : Company Name : Southwest Credit Systems Creditor Name ] XXXX XXXX Account Number XXXX This account does not belong to me. I never opened such an account and was not notified of any debt. This is either an error or a possible case of identity theft. Please investigate this matter and remove the erroneous collection from my credit report.

I have attached a copy of my credit report with the item in question highlighted. [ Attach proof of identity : driver 's license, utility bill, etc. ] Thank you for your prompt attention to this matter Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: WI

Complaint narrative:
Against : TransUnion Filed by : XXXX XXXX XXXX Date of Original Dispute Mailed : XX/XX/2025 ( Certified Mail + Notarized ) Complaint Subject : TransUnion failed to properly investigate or verify disputed information despite receiving a formal notarized ACDV verification demand under the FCRA. 



Complaint Description : I am filing this complaint against TransUnion LLC for failing to properly reinvestigate and verify inaccurate items currently being reported on my credit file. On XX/XX/2025, I sent a certified notarized ACDV Verification Dispute Letter demanding full validation of the following : XXXX XXXX XXXX Account # XXXX Bankruptcy Public Record Ref # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) In this dispute, I specifically demanded original documentation under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 1681b, and 1681e ( b ). I also requested : A wet-ink signed contract, Terms of agreement, Billing history, And original documents submitted through the Automated Consumer Dispute Verification ( ACDV ) system. 

As of today, TransUnion has failed to respond or provide proper verification, in violation of their legal obligation to reinvestigate within XXXX days under 15 U.S.C. 1681i. Additionally, TransUnion is still reporting these accounts, which are disputed and unverified.

I enclosed proof of certified mailing and a notarized declaration. TransUnion has no permissible purpose to continue reporting unverifiable data. 



Relief Requested : * Immediate deletion of the XXXX XXXX XXXX account ( # XXXX ) and the bankruptcy public record ( Ref # XXXX ). 
* Written confirmation that these items have been fully removed from my credit file. 
* An internal compliance review and statement from TransUnion explaining why no response was made to a certified and notarized dispute. 



Attached Evidence for CFPB Upload ( optional but recommended ) : ACDV Dispute Letter ( signed and notarized ) Certified Mail 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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood support contact is terrible. My account was given restriction and in order to resolve it I had to receive a phone call that never came in the time they described it to come at. When missed I received a voice mail that said to call a number back and enter the case number. CASE NUMBER. They never gave me a number for my case. I've tried emailing them, calling them. Only their automated call picks up and ends the call after providing no help. Their 24/7 chats close off after a situation is at hand and the ai chat is just a repeating loophole that says does this help only allows the user to use the " Yes that's all '' button to end chats. I need further assistance where can I find that at. NO WHERE ON THE APP. There is no other way to contact them besides waiting and HOPING for a phone call from them that is never going to come. I've read online how horrible this company is at this. They said that it took weeks upon weeks to get into contact which is TERRIBLE. The only way to resolve it is through here. I am unable to open, transfer and withdraw any of my money. This is XXXX. Robinhood support is HORRIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently identified an account on my credit file that I did not initiate, authorize, or recognize. This account is not associated with any action Ive taken and appears to be the result of fraudulent use of my information.

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 2025-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Service Company, INC
State: CO

Complaint narrative:
Debt collector wants {$1200.00} on a {$880.00} medical bill from XX/XX/XXXX. 

Was never served and found papers on my front porch for civil court summons for XX/XX/XXXX. Number on the court paperwork filed was less than helpful in getting to the bottom of the issue and who this company was. They stated the attorney would reach out, never did. 

I reached back out to get information via email on XXXX and was told they would mail the information. 

XX/XX/XXXX I received the information and reached back out to the attorney. requested they send information regarding their attempts to collect this debt as this is the first I am knowing of this. 

I was never served and not contacted previously regarding this debt to my knowledge or given ways to satisfy this debt. 

Now this agency has been granted an audience with the court even though I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These unexpected and possibly fraudulent inquiries were not known to me. I request a prompt investigation. Relevant documents are attached.

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 2025-07-22 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An impersonator was acting like my bank went into my account and took {$750.00} through XXXX. When we called back they kept up the rouse until she proceeded to understand I knew what was going on she proceeded to say foul language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hello, I lost my job in XXXX. Due to losing my job, I've been in a hardship because I don't have the funds to pay my mortgage. I'm currently in the process of looking for another job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

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 in a word document. 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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Capital Services, LLC
State: KY

Complaint narrative:
Nationwide Capital Services is reporting I owe XXXX XXXX 

Under 15 U.S. Code 1681c-2 furnishers of credit information must ensure the accuracy and completeness of reported data. Additionally, FCRA 1681i requires credit bureaus to conduct a reasonable investigation within 30 days of receiving this dispute.

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 2025-07-22 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: AZ

Complaint narrative:
I woke up this morning XX/XX/year> to alerts that XXXX XXXX XXXX is a medical debt which has been reported to my credit reports I have disputed it on Experian but I can not get to it on XXXX I am trying to close on a house and that account is a complete violation of the no surprise act it needs to be deleted immediately my privacy is protected under HIPAA laws. I have not received any word that it has been reported to XXXX yet but this entire account needs to be removed and not re-reported.

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 2025-07-22 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: AZ

Complaint narrative:
I woke up this morning XX/XX/year> to alerts that XXXX XXXX XXXX is a medical debt which has been reported to my credit reports I have disputed it on XXXX but I can not get to it on TransUnion I am trying to close on a house and that account is a complete violation of the no surprise act it needs to be deleted immediately my privacy is protected under HIPAA laws. I have not received any word that it has been reported to XXXX yet but this entire account needs to be removed and not re-reported.

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