vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Radius Global Solutions LLC was contracted by XXXX XXXX to collect a debt I owe. Upon receiving the letter from Radius, I contacted them to see if it was possible to arrange a payment plan, to which they replied, yes. I gave them my Routing and Account numbers for the money to be withdrawn and they failed to withdraw the funds. ultimately they ended up selling the debt to ANOTHER collector, which is damaging my credit score even more.

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 2025-09-29 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am submitting to formally dispute inaccurate information listed on my credit report, specifically regarding incorrect addresses that have been mistakenly associated with my credit file. Below are the incorrect details : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Correct Information : Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 609 ( a ) ( 1 ), I have the right to access my credit file and dispute any inaccurate or incomplete information. Furthermore, under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reinvestigation of any disputed information and to remove or correct any inaccurate or unverifiable data within 30 days of receiving a dispute. Because I have no connection to the addresses listed above, I respectfully request that your office conduct a reinvestigation and remove these addresses from my credit file. Please also ensure that no future reporting includes these inaccurate addresses.

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 2025-09-29 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: Experian Information Solutions Inc.
State: MI

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 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 2025-09-29 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: IL

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 non-monetary relief
Consumer complaint received 2025-09-29 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: TN

Complaint narrative:
I reach out to transUnion because of the data breach and explained that there are things reporting on my report that does not belong to me

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XX/XX/year> {$740.00} ACCOUNT IS WRONG AND IT IS HURTING MY CREDIT Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
b'I am writing to formally dispute and request the removal and correction of inaccurate information being reported on my credit file under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. The following items are erroneous and do not accurately reflect my identity, residence history, or financial obligationsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are being reported inaccurately and may be the result of identity confusion or other reporting errors. I request that you provide documentation verifying my responsibility for these debts, including signed contracts or account applications. If such verification cannot be provided, these items must be deleted from my credit file as required under FCRA  609 and  611.'

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently pull my credit report and noticed fraudulent activities.

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 2025-09-29 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: 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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a written dispute to TransUnion ( XXXX # XXXX ) on XX/XX/year> to correct inaccurate personal information in my credit file. I included proof of identity ( bank statement, Social Security card, and a copy of my TransUnion credit report mailed to my correct address ). 
Instead of processing my dispute, TransUnion sent me a letter claiming the request did not appear to come from me and suggested it came from a credit repair company. This is false. I personally submitted the dispute. 
By refusing to investigate, TransUnion failed to comply with the FCRA. I'm requesting that TransUnion : * Accept and process my dispute directly, * Remove the inaccurate names, address, and phone numbers, * Provide the verification details required under the FCRA. 
Their refusal has delayed the correction of my credit file and harmed my ability to obtain credit.

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 2025-09-29 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 am a victim of XXXX, and I am invoking my rights under Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ). The following items appearing on my credit report are direct results of that trafficking and were not authorized by me : Fraudulent Inquiries and Accounts : XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.In accordance with FCRA 605C, you are legally obligated to block this information from my credit report upon receiving appropriate documentation. I am requesting that this action be completed within XXXX ( XXXX ) business days of receipt of this notice. Please confirm in writing once these items have been blocked and removed. Your prompt and thorough attention to this matter is not only appreciatedit is essential to my recovery and protection.

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 2025-09-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my consumer credit report. These inquiries are not recognized by me, and I did not grant permission for them to be made. 

I first noticed the inquiries on or about XX/XX/year>. Since then, I have reached out to the reporting businesses to request removal, but the inquiries remain and no resolution has been provided. 

These continued, unauthorized inquiries are harming my credit score and impacting my ability to obtain credit. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires that credit inquiries be made only with my consent or for a permissible purpose, and that inaccurate information must be corrected or deleted. Additionally, the continued furnishing of inaccurate information raises Metro 2 compliance concerns.

I am requesting that the companies involved remove the unauthorized inquiries, correct my credit report, and provide written confirmation once the corrections have been made. 


Hard Inquiries XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SYNCB/XXXX  failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information.SYNCB/XX/XX/XXXXhas failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 
SYNCB/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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/year> {$260.00} THIS ACCOUNT IS PAID IN FULL STILL SHOWS XXXX ON MY ACCOUNT Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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 reaching out once again because inaccurate and unverifiable information continues to appear on my credit file, despite my previous disputes. This is now my third follow-up, and I am asking for the permanent removal of the following items that do not reflect my true financial history. 
The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance : {$0.00} XXXX XXXX is still reported as a late close. Under Late Close : 605B / 15 U.S.C. 1681c-2, I have the right to request the permanent removal of information resulting from errors. In addition, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires reasonable reinvestigation of disputed items, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ensures furnishers report accurate information. Despite these protections, this item remains inaccurately reported and must be permanently removed. 
The charge-off from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a Balance : {$1600.00} XXXX XXXX also continues to appear without supporting documentation such as a 1099-C, making it unverifiable. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], all information must be accurate. Because this item can not be verified, I am requesting its permanent removal from my credit file. 
Similarly, the account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a Balance Owed : {$1200.00} remains on my report as a charge-off without proper verification. I have disputed this multiple times, yet it continues to appear inaccurately. Like the others, this account must be permanently removed to reflect only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am reaching out once again because inaccurate and unverifiable information continues to appear on my credit file, despite my previous disputes. This is now my third follow-up, and I am asking for the permanent removal of the following items that do not reflect my true financial history. 
The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance : {$0.00} XXXX XXXX is still reported as a late close. Under Late Close : 605B / 15 U.S.C. 1681c-2, I have the right to request the permanent removal of information resulting from errors. In addition, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires reasonable reinvestigation of disputed items, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ensures furnishers report accurate information. Despite these protections, this item remains inaccurately reported and must be permanently removed. 
The charge-off from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a Balance : {$1600.00} XXXX XXXX also continues to appear without supporting documentation such as a 1099-C, making it unverifiable. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], all information must be accurate. Because this item can not be verified, I am requesting its permanent removal from my credit file. 
Similarly, the account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a Balance Owed : {$1200.00} remains on my report as a charge-off without proper verification. I have disputed this multiple times, yet it continues to appear inaccurately. Like the others, this account must be permanently removed to reflect only accurate and verifiable 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 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Due to these breaches, my personal and financial information was exposed without my consent. As a result, fraudulent activity has been reported on my credit file that does not belong to me. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and FACTA, I have the right to dispute any inaccurate information and request removal of all accounts, inquiries, or late payments that are the result of fraud or data breach exposure.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding JPMCB CARDs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. JPMCB CARD has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. JPMCB CARD XXXX....

Company response to consumer: Closed with explanation