vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft as a direct result of the XXXX XXXX  data breach, in which my personal information was compromised without my consent. This breach has led to fraudulent activity on my credit file.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and permanent removal of the following fraudulent accounts from my credit report : XXXX  XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Charged Off {$930.00} past due XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Charged Off {$100.00} past due XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Repossession {$6800.00} past due XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Charged Off {$400.00} past due These accounts were opened and/or reported without my authorization. I did not initiate, authorize, or benefit from them. They are the result of fraudulent use of my personal information following the XXXX  data breach.

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 2025-08-09 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: NC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft as a direct result of the XXXX XXXX  data breach, in which my personal information was compromised without my consent. This breach has led to fraudulent activity on my credit file. 



Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, I am requesting the immediate blocking and permanent removal of the following fraudulent accounts from my credit report : XXXX  XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Charged Off {$930.00} past due XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Charged Off {$100.00} past due XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Repossession {$6800.00} past due XXXX XXXX Account ending in XXXX XXXXXXXX Opened XX/XX/XXXX Charged Off {$400.00} past due These accounts were opened and/or reported without my authorization. I did not initiate, authorize, or benefit from them. They are the result of fraudulent use of my personal information following the XXXX  data breach.

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 2025-08-09 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: MN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am disputing the reporting and collection activity by Transworld Systems on an alleged debt that is inaccurate, unvalidated, and violates my rights under federal law. 

During the time this debt was allegedly incurred and reported, I was a documented victim of a protected incident ( see attached victims letter ) and was actively pursuing XXXX XXXX XXXX XXXX XXXX XXXX XXXX discharge and related benefits. This status triggers protections under the Americans with Disabilities Act ( ADA ), Title II 42 U.S.C. 1213112165, and Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ), requiring reasonable accommodations in any collection or reporting activity.

Transworld Systems failed to : 1. Provide full and proper debt validation as mandated under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ).

2. Mark the account as disputed with all credit bureaus, in violation of 15 U.S.C. 1692e ( 8 ).
3. Suspend or adjust collection activities in compliance with ADA reasonable accommodation requirements.

4. Ensure the information furnished to credit bureaus was accurate and complete under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ).

The continued reporting of this account, without reflecting my XXXX hardship and disputed status, is both inaccurate and discriminatory under the ADA and Section 504.

Attached are : My victims letter XXXX documentation Credit report excerpts showing the continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Around XX/XX/XXXX I applied for a Walgreen 's credit card, which is issued through Synchrony Bank. On XX/XX/XXXX, I received an email with an attached letter that my application was denied. The letter only stated that the application was denied for " Application has risk factors that cause us to be unsure of your identity. '' The letter noted that the primary reporting service used to deny the application was from TransUnion. I contacted TransUnion for further information. I was informed that TransUnion staff did not find anything on my credit record that would result in the application being denied. I then contacted Synchrony Bank. I was informed that they could not verify my identity, and to reapply for the credit card. I then noted that what course of action do I have if the new application is also denied, and that I needed details why they denied the credit card application. I believe Synchrony Bank is a front for the Communist Party of the United States, and my application was denied for political discrimination.

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 2025-08-09 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: NC

Complaint narrative:
I am formally disputing the reporting of a charge-off account appearing on my credit report from XXXX XXXXXXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681i ( a ), a consumer reporting agency is required to conduct a reasonable reinvestigation to determine the accuracy of disputed information. In this case, the original creditor has failed to provide : A copy of the original, signed contract or agreement showing that this alleged debt belongs to me.

The correct IRS tax documentation ( such as a Form 1099-C, if applicable ) reflecting any cancellation of debt or charge-off in accordance with IRS regulations.

Without these documents, there is no verifiable evidence that this alleged account is valid, belongs to me, or is being reported accurately. Continued reporting of unverified or inaccurate information is a direct violation of the FCRA.

Accordingly, I demand that you : Conduct a reasonable reinvestigation with the furnisher of this account.

Obtain and provide me with copies of the original contract and the correct tax documentation.

If such documentation can not be produced within the statutory timeframe, delete this account from my credit report immediately.

Provide written confirmation of the outcome of your investigation within 30 days as required by 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 2025-08-09 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: NC

Complaint narrative:
I am formally disputing the reporting of a charge-off account appearing on my credit report from XXXX XXXXXXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681i ( a ), a consumer reporting agency is required to conduct a reasonable reinvestigation to determine the accuracy of disputed information. In this case, the original creditor has failed to provide : A copy of the original, signed contract or agreement showing that this alleged debt belongs to me.

The correct IRS tax documentation ( such as a Form 1099-C, if applicable ) reflecting any cancellation of debt or charge-off in accordance with IRS regulations.

Without these documents, there is no verifiable evidence that this alleged account is valid, belongs to me, or is being reported accurately. Continued reporting of unverified or inaccurate information is a direct violation of the FCRA.

Accordingly, I demand that you : Conduct a reasonable reinvestigation with the furnisher of this account.

Obtain and provide me with copies of the original contract and the correct tax documentation.

If such documentation can not be produced within the statutory timeframe, delete this account from my credit report immediately.

Provide written confirmation of the outcome of your investigation within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This account is being reported inaccurately and incompletely. It shows a balance of {$800.00} but fails to report the Amount Past Due, Date of Last Payment, and Account Type. Additionally, I dispute the accuracy of the status Collection/Charge-off. Please verify this account with full documentation from the furnisher, including complete payment history and original agreement, or delete it from my credit file per FCRA 611.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
On or about XX/XX/year>, Credence Resource Management , LLC ( Credence ) placed a derogatory tradeline on my XXXX consumer report in the amount of {$2400.00}. The last reported date for this entry is listed as XX/XX/year>. I have no prior knowledge, contractual relationship, or obligation regarding this alleged debt. 

Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any disputed item and delete or correct any information found to be inaccurate or unverifiable. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits a furnisher of information from reporting information it knows or should know is inaccurate, and 15 U.S.C. 1681s-2 ( b ) imposes an affirmative duty on furnishers to conduct a reasonable investigation upon notice of a dispute and to delete or modify any unverifiable data.

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e prohibits the use of false, deceptive, or misleading representations in the collection of a debt, and 15 U.S.C. 1692g ( b ) mandates that a debt collector cease collection activities until verification of the debt is provided when a timely dispute is submitted. Credence has never provided any form of written verification or documentation substantiating the validity of this debt despite the
statutory obligations under the FDCPA and FCRA.

This inaccurate and unverified reporting constitutes a willful violation under 15 U.S.C. 1681n, for which I am entitled to statutory damages of up to {$1000.00} per violation, and a negligent violation under 15 U.S.C. 1681o, for which I may recover actual damages, costs, and attorneys fees. Under 15 U.S.C. 1692k, the FDCPA also allows recovery of statutory damages of up to {$1000.00}, along with actual damages, costs, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I had a stop-loss sell order for ETH/USD set at {$4000.00} on Robinhood. When triggered, it executed at an average price of {$4000.00} {$20.00} {$30.00} worse than prices visible on major public exchanges at that exact moment. This occurred during a rapid upward price move consistent with short squeeze conditions, making execution quality critical. Robinhood later told me they source liquidity from multiple undisclosed venues, will not reveal which ones were used, and can not provide order book data for verification. This lack of transparency and the significant price discrepancy raise serious concerns about whether best execution occurred. I request regulators investigate, the routing and execution of my order, obtain venue order book data for the execution window and confirm whether customers are receiving fair and competitive fills during volatile market events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the account listed below on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information regarding any debts reported in my name. This account contains multiple violations which compel its removal from my credit report immediately. 

Account Information : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid in settlement ( Updated XX/XX/XXXX ) Credit Limit : {$300.00} Highest Balance : {$440.00} Dispute Grounds : Failure to Verify Debt : I have not received sufficient verification or validation of this debt as required by FDCPA Section 809 ( 15 U.S.C. 1692g ). Without proper validation, this account should be removed.

Reporting Inaccurate Information : The account status, payment history, and balance details are inconsistent and lack documentation, violating FCRA Section 623 ( 15 U.S.C. 1681s-2 ) which mandates accurate reporting by furnishers.

Failure to Notify of Dispute : After my dispute, the furnisher failed to conduct a reasonable investigation or inform me of the results as required under FCRA Section 611 ( 15 U.S.C. 1681i ).

Unlawful Collection Practices : Any attempts to collect on a disputed debt without validation constitute harassment under FDCPA Section 804 ( 15 U.S.C. 1692c ).

Requested Resolution : Given these violations, I demand that this account be permanently removed from my credit report. If you are unable to provide complete validation of this debt compliant with FDCPA and FCRA standards, removal is mandatory.

Please confirm in writing that this account has been deleted from my credit report within 30 days of receipt of this letter. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office.

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 2025-08-09 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Transunion and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Transunion inaction violates federal law and my rights as a consumer.

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 2025-08-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 explanation