vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
the equipment return to XXXX, bit hey Report inaccurate Mount of Many i Owe

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 2025-04-25 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: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Per 605C- 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: WA

Complaint narrative:
b'P&B Capital Group LLC send text message with ref # XXXX  , said that , " my account has changed", I need to call this number XXXX XXXX XXXX, I received this text last XXXX. Actually, this is the second text that I have received. The first text was  last XXXX. but  I ignored. I called the number last XXXX XXXX XXXX   I found out that the staff said that I have existing debt since XXXX XXXX. They verified my personal details, they have my name, contact details but my email add was wrong which I immediately disputed, and told that I don\'t have such transaction, and this is unauthorized, and its fraud. I mentioned that , I previous incident last XXXX XXXX, the staff said that they will send a letter and I have to provide police report to support that this is fraud. I send the documents last XXXX XXXX XXXX with police report last XXXX XXXX record, my letter of dispute and additional evidence that I\'ve been a victim of identity theft/ fraud activity with letters from various credit card company. I received and open the letter today XXXX XXXX XXXX that was sent last  XXXX XXXX XXXX, Stated in the letter " That they have received the request for validation and have ordered the account documentation from the creditor. They did not mention that I have complied with their prior request that I have sent a police report of fraud since this was a same pattern with my previous case in XXXX XXXX.\n\nOn the letter it was written that the File number:XXXX  The Account : XXXX,  original creditor : XXXX XXXX XXXX, current creditor ; XXXX XXXX XXXX XXXX XXXX, Current balance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of account information related to a business credit account issued through XXXX XXXX XXXX to my personal credit report. This account was established under a business entity and was never personally guaranteed by me, nor was it a joint account. Reporting this debt on my personal credit is a violation of federal law and must be rectified immediately. 



According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are prohibited from providing inaccurate information to consumer reporting agencies. Reporting a business account as a personal obligation is false and misleading, especially when there was no personal guarantee, and I did not authorize or co-sign in any personal capacity. 



Furthermore, your attempt to collect or damage my personal credit for a debt that legally belongs to a business entity constitutes a deceptive and unfair practice in violation of the Fair Debt Collection Practices Act ( FDCPA ) and may also fall under consumer protection laws in my state. 



Please consider this letter a formal dispute and demand for immediate removal of this item from my personal credit reports with all major credit bureaus ( XXXX XXXX XXXX XXXX ). I am requesting the following actions be taken within the timeframe required by law : Immediately cease and desist all personal credit reporting regarding this business account. 
Provide written confirmation of the removal from all consumer credit bureaus. 
Acknowledge in writing that this was a business-only account and should not have been reported under my personal credit file. 
I have already sought legal counsel to pursue damages for willful and negligent violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Credit Dispute Due to Data Breach (XXXX)  Notice Under UCC 3-603, 15 U.S.C. 1666, 1666(b), and 1681XXXXTo Whom It May Concern,XXXX am writing to formally dispute certain inaccurate and potentially fraudulent information appearing on my XXXX  credit report. This dispute is being initiated in response to the widely reported XXXXXXXX XXXX XXXX, which compromised the personal data of countless individuals, including myselfXXXXUnder 15 U.S.C. 1666 and 1666(b) of the Fair Credit Billing Act, I am asserting my right to dispute billing errors and unauthorized charges or accounts. Further, under the Fair Credit Reporting Act (15 U.S.C. 1681), I am entitled to dispute any inaccurate or incomplete information in my credit report and have it corrected or removed.XXXX addition, pursuant to UCC 3-603, I am invoking my right to tender payment and seek discharge from any obligations resulting from fraudulent or inaccurate charges arising from this breach, which were not lawfully incurred by me.XXXXPlease investigate and remove any items that may have originated from the Experian breach or otherwise do not belong on my credit file. This includes, but is not limited toXXXXXXXXList of disputed accounts or items: Include the name of creditor, account number, and reason for dispute.XXXX am requesting a reinvestigation under my rights afforded by federal law and expect confirmation that the disputed items have been corrected or removed. Please also provide me with a written statement confirming the outcome of your investigation.XXXXAttached you will find supporting documentation, including a copy of my ID, a recent utility bill, and any relevant correspondence.XXXXThank you for your prompt attention to this matter. I expect resolution within the timeframe required by lawXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Maximus Federal Services, Inc.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 non-monetary relief
Consumer complaint received 2025-04-25 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: GA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Experian, TransUnion, and XXXX  regarding their handling of a medical collection that appears on my credit report. 

I have disputed this collection account with the credit bureaus and provided documentation to support my position. Despite this, Experian has refused to remove the item. TransUnion and XXXX  have also failed to act in accordance with current federal guidance on medical debt reporting. 

Under the updated FCRA ( Fair Credit Reporting Act ) guidelines and recent policy changes announced by the credit bureaus, medical collections under {$500.00}, or those that have been paid or are over one year old, should no longer be reported. Additionally, the No Surprises Act provides further protections for consumers regarding certain types of medical debt.

My complaint is as follows : 1. The bureaus continue to report a medical collection that should be excluded under current reporting standards.

2. Experian in particular has stated they will not remove the item, despite my dispute and request for reinvestigation.

3. This negative reporting is affecting my credit score and access to financial opportunities unjustly.

I am requesting that the Consumer Financial Protection Bureau investigate this matter. I am also requesting the credit reporting agencies in question take immediate corrective action by : Removing the disputed medical collection from my credit report.

Providing a written response detailing their investigation and final decision.

Thank you for your attention to this 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 2025-04-25 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-04-25 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: AR

Complaint narrative:
I recently obtained a copy of my credit report and found fraudulent accounts.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Account PORTFOLIO RECOVERY ASSOCIATES INC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 identity theft and have submitted all required documentation to support my dispute of fraudulent accounts reporting under my name. These include my FTC Identity Theft Report ( Report # XXXX ), government-issued ID, and proof of address. The accounts from XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX XXXX Acct # XXXX ) continue to report in violation of FCRA 605B, 611, and 623.

Despite providing all documentation, the credit bureau has failed to block or delete these accounts within the required 4-day window, as mandated by federal law. This has caused ongoing financial harm. I am demanding immediate deletion of these accounts or I will pursue legal action for willful noncompliance.

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 2025-04-25 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: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed an unexpected hard inquiry from this company : XXXX XXXX on my accound and also from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and I hadnt authorized these transactions, and they did not align with any purchases or agreements I made with the company. I immediately contacted these companies on to dispute the charge and request a correction. Despite multiple follow-ups via phone, I havent received a satisfactory resolution. 

I also attempted to resolve the issue by submitting a dispute form, speaking with a representative, However, the company has either not responded or has denied my claim without providing a clear explanation or evidence. 

These issues have caused me undue financial stress, including overdraft fees, lowered XXXX XXXX. 

I am seeking a full investigation and resolution of this matter, including a refund of the disputed amount and a written explanation of the companys decision. I believe I have taken every reasonable step to resolve this directly with the company and am now requesting the CFPBs assistance in addressing this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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