vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
The debt reported and pursued by Radius Global Solutions LLC, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, is inaccurate and being collected without my consent. The alleged balance is {$1100.00}, and the original creditor is XXXX XXXX  XXXX, XXXX, associated with a XXXX credit card account ending in XXXX. The reference number for this account is XXXX, and the PIN provided is XXXX. I did not authorize Radius Global Solutions LLC to access, use, or report my personal information, nor did I consent to them collecting or managing this debt. I have not received proper validation or documentation supporting the legitimacy of the debt, and the company began reporting it to credit bureaus without notifying me or giving me the opportunity to dispute the claim. This unauthorized activity has negatively impacted my credit profile and contributed to financial and personal hardship. I believe Radius Global Solutions LLC may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter, assess the legitimacy of the debt and Radius Global 's reporting practices, and ensure my rights under federal law are upheld. I can be reached at ( XXXX ) XXXX ( voicemail preferred ) or at XXXX for further 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 2025-07-07 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 have try for years to fix my credit with the 3 credit bureaus but without success and as such it's damaging my credit.i was involved with the date breach on equifax. XXXX  : XXXX XXXX XXXX  TRANSUION : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 have try for years to fix my credit with the 3 credit bureaus but without success and as such it's damaging my credit.i was involved with the date breach on equifax. XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX XXXX XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-07 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: VA

Complaint narrative:
I did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). I need them to delete and block these inaccurate accounts from reflecting on my credit report. 
CHARGE OFF : XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00}, XXXX XXXX XXXX / XX/XX/XXXX / {$24000.00}.

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 2025-07-07 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: United Shore Financial Services, LLC
State: VA

Complaint narrative:
I have disputed this 3 times with the credit bureaus and it is not being corrected. My mortgage company is reporting 3 late payments on my account, when in fact I entered into a repayment/modification agreement with them and made each of the 3 months of payments on time as they requested. HOW CAN YOUR REPORT THE PAYMENTS LATE, if I am making the payment you asked me to make on time each month. There was only 1 late payment and then I entered the agreement. I have the bank records to prove I made each of those payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-07-07 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Factual Dispute of Inaccurate Information on My Credit Report Dear XXXX  XXXX XXXX, I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report prepared by XXXX. The report was generated on XX/XX/XXXX, under my name, XXXX XXXX XXXX. 

After reviewing the report, I found the following accounts to contain errors that require immediate correction or removal under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX : The account is listed as Open with a balance of {$180.00}, and it is marked as Placed for collection. 
However, no payment history is available, and the listing lacks substantiating detail to verify its legitimacy. 
I have no knowledge of this debt, and the account status contradicts itself by being both Paid Off : 0 % and having an open balance. 

Requested Action : Please investigate this account and provide documentation verifying the debt and account status. 
If verification is not possible, I request that this item be deleted from my credit file. 



2. XXXX XXXX XXXX  Inaccuracy : This entry is also marked Open account and Placed for collection with a balance of {$550.00}, yet no payment history or terms are disclosed. 
I have never authorized XXXX XXXX XXXX  to report to credit bureaus or consented to collection activity. 
Additionally, the debt is questionable in origin, and no supporting documentation or validation was ever provided to me. 

Requested Action : Please provide a full validation of this debt including original agreements or billing statements. 
If the account can not be verified with supporting evidence, I request that it be deleted immediately from my report. 



Under the FCRA, you are required to conduct a reasonable investigation of my dispute and respond within 30 days. If the accounts can not be verified or proven accurate, they must be removed from my credit report. 

Please send the results of your investigation in writing to the address listed above. I am also requesting that a corrected copy of my credit report be sent to me once the investigation is completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
My complaint is with Comenity Bank, in which I hold a XXXX  credit card with them. 

I have held this credit card for many years, possibly over a decade. I have never made a late payment. 

On XX/XX/year>, I authorized a payment of {$59.00} on the due date. 

The check was returned to to an old checking account being linked to the credit card. I failed to update the checking account, which was hacked last year. 

Instead of contacting me first, they charged me a {$30.00} late fee and {$2.00} interest. 

However, the payment was not late. It was posted on time. 

I received notice of the returned check on XX/XX/year> via an automated phone call. I checked my XXXX statement online and saw the {$30.00} late fee and {$2.00} interest. 

There was no other warning about the returned check. 

I immediately updated my checking account online and called customer service. They issued me a {$15.00} credit but refused to remove the entire late fee, which was erroneous. 

They also refused to listen about the reason why the checking account was no longer in use. I was a victim of the XXXX XXXX XXXX  database hack, in which I needed to cancel my banking information. More than 60 % of the state was affected by this data breach. The bank representatives did not care about this hack or reason for the wrong checking account being used. 

After speaking with the representatives, I immediately made a payment online. I would appreciate the bank to remove the entire late fee, which was erroneous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
XXXX XXXX put a delinquent report on my credit report. I never signed for it, my grandson forged my name and 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 explanation
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
XXXX XXXX put a delinquent report on my credit report. I never signed for it, my grandson forged my name and information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
XXXX XXXX put a delinquent report on my credit report. I never signed for it, my grandson forged my name and 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 explanation
Consumer complaint received 2025-07-07 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX WI XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint concerning a debt that has been wrongfully reported to the credit bureaus by Harris & Harris LTD, related to cable equipment that I already returned. 

On XX/XX/year> I returned all equipmentincluding " modem, router, and cable boxto Spectrum. I complied fully with all return policies and received confirmation of the return, either by receipt or in-person acknowledgement at the return location. 

Despite fulfilling my obligation, I recently discoveredwithout any prior notice or communicationthat a debt has been placed on my credit report, alleging I failed to return this equipment. This is false, and I was never contacted or given a chance to dispute the matter before it appeared on my credit reports. 

This unauthorized and inaccurate reporting has negatively affected my credit score and caused emotional distress. I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ).

I request the following actions : 1. A full investigation into this matter by the CFPB 2. Immediate removal of this inaccurate debt from all of my credit reports 3. That the company cease all further collection efforts regarding this issue 4. Written confirmation that the account has been closed or marked resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief