vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed multiple inaccurate or unverifiable accounts with Transunion including XXXX  late marks, XXXX  XXXX late payments, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. No proof of billing statements or validation has been provided. Items remain on my file in violation of FCRA 611 and 623. I request full reinvestigation and deletion of any unverifiable accounts within the required 30 day period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: LEXISNEXIS
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been seriously affecting both my life and credit score. These inaccuracies are preventing me from achieving financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal dispute and notice regarding the unauthorized access and furnishing of my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b.

According to this statute, a consumer reporting agency may only furnish a consumer report under specific permissible purposes, and certain casessuch as employment, insurance, or creditrequire my written consent. To date, I have never provided written authorization for any entity to obtain or access my credit information through your agency. Therefore, any furnishing or access of my credit report without my explicit written consent is unauthorized and unlawful. 

Please provide the following documentation within XXXX XXXX, as required by the FCRA : The name and address of every party that has accessed or received my credit report without my authorization. 
A copy of the original written consent you claim to have on file that would justify the release or access to my consumer information. 
A complete copy of my current credit file as maintained by your agency. 
If you are unable to produce verifiable written consent from me for the release of my consumer report to any third parties, I demand that you : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report associated with my account incorrect balance, late payments that were paid on time, account that does not belong to you I have attempted to resolve this matter directly with the creditor on but I have not received a satisfactory response. 
I request that the XXXX investigate this issue and ensure the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
THis number calls XXXX ( XXXX ) XXXX says they are discover they call weekly, says I have a fraud charge, I call discover and there is no charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Date : XX/XX/XXXX Subject : XXXX XXXX XXXX Credit Bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX Bank Account Dear Consumer Financial Protection Bureau, I am filing this complaint to report the continued illegal reporting of an outdated and inaccurate account by the credit reporting agencies Equifax and TransUnion. The account in question is a XXXX Bank credit card ( Account ending in XXXX ), which was opened on XX/XX/XXXX, and charged off many years ago. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), derogatory information such as a charge-off may not be reported more than XXXX XXXX after the date of the first delinquency. 

Despite being well beyond the XXXX reporting limit, Equifax and TransUnion have XXXX re-reported and updated this XXXX account, causing significant harm to my credit. On XX/XX/XXXX, Equifax updated the status of this account, leading to a XXXX drop in my XXXX XXXX. TransUnion followed by reporting a similar update that caused a XXXX drop in my score, which is reflected in the attached screenshots and reports. 

In addition, I am also including Experian in this complaint for inaccurately reporting information on my credit file and contributing to unexplained score declines. Despite no new negative accounts or derogatory activity, Experian has reported significant drops in my XXXX XXXX without justification, and fails to reflect positive payment history or account XXXX with any corresponding score increase. This inconsistency undermines the integrity of their credit scoring practices and suggests a failure to follow FCRA XXXX ( b ), which requires consumer reporting agencies to maintain procedures that ensure the maximum possible accuracy of the information they report. I request that the CFPB investigate XXXX scoring methods, failure to reflect positive credit activity, and failure to provide transparent justification for adverse changes in my credit profile. 
These actions are in direct violation of : - FCRA 1681c ( a ) ( 4 ) Reporting outdated negative information - FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Re-reporting without proper certification or notification - FCRA 1681e ( b ) Failure to maintain accurate and up-to-date information - FCRA 1681s-2 ( b ) Furnishers ' duty to correct and delete inaccurate data after dispute I have disputed these accounts directly with the credit bureaus and the furnisher ( XXXX Bank ) and demanded deletion, yet these harmful updates continue. These updates not only violate the law but have also resulted in financial and emotional distress, as my XXXX XXXX has sharply declined due to inaccurate and obsolete data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX Outstanding monies on closed account Synchrony Bank account Pay as Guest can not find account to make payment. 
Synchrony Bank can not find record of account. 
XXXX requested is XXXX Suspect Scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the accuracy of a collection account that appears on my credit report. This information is inaccurate and incomplete, and I am requesting its prompt removal under the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate, verifiable information may be reported.

The collection account in question is listed as follows : Creditor/Collection Agency Name : XXXX XXXX Bank Account Number ( last 4 digits ) : XXXX Date Opened : XXXX XX/XX/XXXX Amount Reported : {$28000.00} Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number ( last 4 digits ) : XXXX Date Opened : XXXX XX/XX/XXXXXXXX  Amount Reported : {$8300.00} Reason for Dispute : This debt does not belong to me ; The amount listed is inaccurate ; I was never notified before this account was reported, as required under the FCRA. 

In accordance with the FCRA ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this information. If the account can not be verified, it must be deleted from my credit file.

Enclosed : A copy of my government-issued ID Please complete your investigation within the 30-day window required by law and notify me of the outcome in writing. I also request that you send an updated copy of my credit report once the investigation is complete.

Thank you for your prompt 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 2025-07-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the accuracy of a collection account that appears on my credit report. This information is inaccurate and incomplete, and I am requesting its prompt removal under the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate, verifiable information may be reported.

The collection account in question is listed as follows : Creditor/Collection Agency Name : XXXX XXXX Bank Account Number ( last 4 digits ) : XXXX Date Opened : XXXX XX/XX/XXXX Amount Reported : {$28000.00} Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number ( last 4 digits ) : XXXX Date Opened : XXXX XX/XX/XXXXXXXX  Amount Reported : {$8300.00} Reason for Dispute : This debt does not belong to me ; The amount listed is inaccurate ; I was never notified before this account was reported, as required under the FCRA. 

In accordance with the FCRA ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this information. If the account can not be verified, it must be deleted from my credit file.

Enclosed : A copy of my government-issued ID Please complete your investigation within the 30-day window required by law and notify me of the outcome in writing. I also request that you send an updated copy of my credit report once the investigation is complete.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief