vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I was forced to file for XXXX  XXXX bankruptcy protection in the XXXX XXXX XXXX Texas ( Case No. XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX This filing is directly tied to financial harm that I sustained while I was under coercion and victimization as a XXXX XXXX survivor. 
During and after the period of victimization, I experienced prolonged financial instability, forced debt obligations, housing insecurity, and manipulation that left me without access to safe, independent income. As a result, I was left with no viable financial alternatives but to enter into a structured repayment plan through the bankruptcy courtstrictly as a survival measure, not as an act of financial mismanagement. 
In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation 12 C.F.R. 1022.142, I submitted a complete request to the major consumer reporting agencies ( Experian, Equifax, TransUnion ) and XXXX XXXX XXXX, requesting the blocking of this adverse item ( the bankruptcy filing ) from appearing on my credit reports. My submission included : A written request specifically identifying the item ( XXXX XXXX Bankruptcy, filed XX/XX/year> ) My self-attestation as a XXXX  victim A government-issued ID Supporting agency documentation confirming my XXXX  victim status Despite the clear statutory requirements under Section 605C, I remain concerned that this bankruptcy may still be reported or made accessible by credit reporting agencies, which would constitute a violation of my rights under federal law and continue to harm me financially, socially, and psychologically.

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 2025-11-03 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: KY

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 2025-11-03 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: KY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 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: NY

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am disputing the following items on my credit report. Please review and correct these items to ensure they are accurately reported. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$460.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$940.00} XXXX XXXX  XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$65000.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$540.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$210.00} INQUIRIES : None listed. 

LATE PAYMENT : XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Absolute Resolutions. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Absolute Resolutions is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Absolute Resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PRA, Inc. or portfolio associates, LLC - call to collect a secured credit card debit. Requested this debt collector to provide information about the secured credit card in which they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
Today ( XX/XX/year> ) at XXXX EST We spoke with a representative after multiple phone calls were ended by the cash app automated phone system - but this representative assured us he was just going to file a complaint and email us some type of case escalation process rather than transfer us to either someone who could assist with the taxes filing through cash app or a manager who could assist. This representative named XXXX XXXX who refused to disclose his last name ) outright refused to transfer us to a manager or someone who could assist with filing taxes and told us we simply would have to wait for an email whenever there side sees fit for that to take place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I have never used this company or used this company to have a bill this high, I dont know how this on my credit report or why. I have received plenty of emails, collections threats, and garnish of pay which as impacted my financial status negatively.

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 2025-11-03 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: NY

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: KY

Complaint narrative:
It has been over 30 days since I submitted the requested documentation and since the decision to close my account was made. My personal funds remain frozen and inaccessible, despite Robinhoods stated 15-day timeline for resolution having long passed. Additionally, no contact or verification attempt by Robinhood has been made with my checking account bank during this period. I have both account statements confirming the source of funds and prior correspondence with Robinhood available for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. 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 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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Formal Dispute of Debt -Demand Proof of Assignment of Contract I am writing to formally dispute inaccurate information being reported on my credit file. This my third attempt to dispute the alleged debt you are reporting. request under Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which grants me the right to request the sources and documentation of any information reported about me. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment of contract from the original creditor.

I am requesting that you provide the original signed contract or application bearing my signature that verifies my responsibility for this debt, including proof of assignment of contract. Without this documentation, you are not legally permitted to continue reporting this account.

Furthermore, if any third party has paid or assumed this debt, I request verified proof of that transaction. If you can not provide this documentation, I consider the reporting of this account to be fraudulent and demand its immediate removal from my credit report.

Please consider this a formal complaint and a demand for validation. If you fail to respond with the requested documentation within 30 days, I expect the account to be deleted from my credit file. 

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 2025-11-03 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: FL

Complaint narrative:
I am requesting that all incorrect details and negative items be removed from my Experian credit report. Although I have sent several letters to your mailing address, the inaccurate information is still being 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 2025-11-03 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I was forced to file for XXXX XXXX XXXX  protection in the XXXX XXXX XXXX XXXX ( Case No. XXXX ), assigned to XXXX XXXX XXXX XXXX XXXX This filing is directly tied to financial harm that I sustained while I was under coercion and victimization as a human trafficking survivor. 
During and after the period of victimization, I experienced prolonged financial instability, forced debt obligations, housing insecurity, and manipulation that left me without access to safe, independent income. As a result, I was left with no viable financial alternatives but to enter into a structured repayment plan through the XXXX  courtstrictly as a survival measure, not as an act of financial mismanagement. 
In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation 12 C.F.R. 1022.142, I submitted a complete request to the major consumer reporting agencies ( XXXX, Equifax, TransUnion ) and XXXX XXXX XXXX, requesting the blocking of this adverse item ( the XXXX  filing ) from appearing on my credit reports. My submission included : A written request specifically identifying the item ( XXXX XXXX XXXX, filed XX/XX/year> ) My self-attestation as a trafficking victim A government-issued ID Supporting agency documentation confirming my trafficking victim status Despite the clear statutory requirements under Section 605C, I remain concerned that this XXXX  may still be reported or made accessible by credit reporting agencies, which would constitute a violation of my rights under federal law and continue to harm me financially, socially, and psychologically.

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 2025-11-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
JG Wentworth has attempted to legitimize their unauthorized fee deduction by removing all evidence of the canceled settlement from my account view ( I have multiple screen shots ), but they have retained the {$1000.00} fee. The fee was never earned because the first settlement payment to the creditor was never made, violating the express terms of my contract which requires the first creditor payment before the fee is collectible. 

I canceled this JG Wentworth program on XX/XX/year>, there was nothing saying there would be any payments in progress to be made, and I was told what was currently in my account would be refunded back to my bank account in XXXX business days. I checked today and they withdrew {$1000.00} as a fee for something that never got any payments processed. They showed the first XXXX payments of {$100.00} as cancelled, XXXX was supposed to be XX/XX/year>. The second was supposed to be XX/XX/year>. Looking further, they stole {$1000.00} from my account balance that I paid into, on XX/XX/year>. I just checked and they have removed the section where it included the " Balance owed to creditor '' and have it listed as " included '', there are no payment associations now, but the {$1000.00} fee is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the agencies XXXX XXXX XXXX XXXX XXXX XXXX, for their continued publication and distribution of inaccurate, incomplete, and unverifiable information within my consumer data files. 

Upon careful review of my reports from these agencies, I identified multiple tradelines, inquiries, and data inconsistencies that fail to meet the legal and technical standards established under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) and CDIA Metro 2 compliance guidelines. These inaccuracies include unverified creditors ( such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ), erroneous account dates, incorrect balances, and inquiries that can not be lawfully justified. 

Each of these agencies has failed to provide verifiable documentation or certified audit trails proving that the information reported was obtained from legitimate furnishers in compliance with FCRA 623 ( a ) ( 1 ) ( A ) and the Equal Credit Opportunity Act ( ECOA ). This ongoing reporting not only misrepresents my financial profile but also constitutes a violation of my right to maximum possible accuracy under FCRA 607 ( b ). 

Furthermore, the continued inclusion of derogatory, outdated, or unverifiable data within their systems has caused measurable harm to my credit reputation and my ability to access fair lending opportunities. These agencies appear to have granted reporting privileges to data furnishers without proper Metro 2 validation, and without following the required dispute-handling procedures outlined in FCRA 611 ( a ).

Company response to consumer: Closed with explanation