vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am disputing the reporting of this medical collection account. 

This account is allegedly from XXXX XXXX XXXX XXXX. Radius Global Solutions has not provided proof of valid assignment, itemized billing, or confirmation that insurance was properly applied prior to reporting. 

Under the Fair Credit Reporting Act and medical debt reporting standards, medical collections must be accurate, fully verified, and compliant with reporting requirements. This account was reported without sufficient validation and continues to update inaccurately. 

I am requesting immediate removal of this account due to failure to provide proper verification and compliance documentation.

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 2025-12-19 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-12-19 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: I.C. System, Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

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 2025-12-19 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: FL

Complaint narrative:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.See Attached

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 2025-12-19 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: FL

Complaint narrative:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.See Attached

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a documented victim of identity theft with an FTC report and active disputes. Equifax initially accepted my consumer statement but removed it without notice around XX/XX/XXXX of XXXX  This removed my ability to alert lenders about the fraud. A false address ( XXXX XXXX XXXX XXXX XXXX ) was listed as a current address and is tied to accounts i never opened. 
Identity theft XXXX police department- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: 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.

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/25 I tried contacting XXXX support for a refund so I googled XXXX support number but XXXX provided me the wrong number leading me to a scammer impersonating XXXX support. The scammer made me download a streaming software on my pc and mobile device. Then the scammer said that they can issue me a refund through cash app which that wasn't the case. The scammer made me transfer funds from my bank account into my cash app and claims that this is due for verification purposes. The he started to take advantage of me and sent a code which was a payment code which I wasn't aware of then started taking funds from my cash app totaling up to XXXX dollars. After the incident I immediately contacted cash app support and got told to wait for the transaction to complete so I can start a dispute. A day after the dispute the dispute got declined for all unauthorized transaction a day after so I did an appeal but that also got declined as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't understand why a company would placed a fraud alert on my credit report without me requesting it I don't approve this action to be taken with 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 2025-12-19 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: CA

Complaint narrative:
I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The company did not provide the requested information or documentation to substantiate its reporting.

The response contains only a general statement claiming accuracy and does not address the specific disputes, including : Why a closed XXXX account is being updated in XXXX How the reported balance was calculated after closure Proof of a reasonable investigation under the FCRA No supporting documents, account statements, payment history, or verification method were provided.

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 monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} Dispute Reason : Failure to validate debt No evidence of consumer agreement Incomplete collection reporting This account is disputed pursuant to 15 U.S.C. 1681g and 1681i. If proper validation can not be produced, this collection must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-12-19 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: NJ

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX. I paid this account in full over two years ago yet XXXX XXXX continues to maintain a balance on my name in their system and has failed to correct or remove the account from my credit report. 

I have contacted XXXX XXXX multiple times requesting written confirmation that the account was paid in full but despite being told the letter would be mailed and emailed I have received nothing This failure to provide documentation while continuing to report a balance is unacceptable and harmful. 

Reporting an outstanding balance on an account that was paid in full is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ) which requires information furnished to credit reporting agencies to be accurate complete and verifiable. 

Due to the age of the account the length of time since payment and XXXX XXXX failure to properly maintain or verify accurate records, I am requesting that this account be removed entirely from my credit report rather than corrected.

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 2025-12-19 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: AL

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 non-monetary relief
Consumer complaint received 2025-12-19 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: PR

Complaint narrative:
I am filing this complaint due to ongoing inaccurate personal credit reporting by XXXX XXXX XXXX and the failure of Experian Information Solutions , Inc. to properly investigate and correct the issue, in violation of the Fair Credit Reporting Act ( FCRA ).

The accounts being reported are corporate obligations of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed solely as a corporate officer, not as a personal borrower or guarantor. No personal guaranty exists.

I formally disputed the reporting on XX/XX/year>. XXXX failed to provide any contractual validation within the 30-day period required by law and later acknowledged investigative failures through its supervisor. Despite this, XXXX continues to furnish the information as personal debt.

Experian closed its investigation stating the information was verified as accurate but failed to provide any evidence or method of verification, despite my request under 15 U.S.C. 1681i ( a ) ( 7 ).

I submitted additional written disputes and a comprehensive evidentiary package in XXXX and XX/XX/year>. To date, neither XXXX nor Experian has corrected or deleted the inaccurate reporting. 

This constitutes continued and knowing violations of the FCRA by both the furnisher and the credit reporting agency.

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 2025-12-19 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: PR

Complaint narrative:
I am filing this complaint due to ongoing inaccurate personal credit reporting by XXXX XXXX XXXX and the failure of XXXX XXXXXXXX XXXX XXXX XXXX to properly investigate and correct the issue, in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts being reported are corporate obligations of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed solely as a corporate officer, not as a personal borrower or guarantor. No personal guaranty exists. 

I formally disputed the reporting on XX/XX/year>. XXXX failed to provide any contractual validation within the XXXX period required by law and later acknowledged investigative failures through its supervisor. Despite this, XXXX continues to furnish the information as personal debt. 

XXXX  closed its investigation stating the information was verified as accurate but failed to provide any evidence or method of verification, despite my request under 15 U.S.C. 1681i ( a ) ( 7 ). 

I submitted additional written disputes and a comprehensive evidentiary package in XXXX and XX/XX/year>. To date, neither XXXX nor XXXX  has corrected or deleted the inaccurate reporting. 

This constitutes continued and knowing violations of the FCRA by both the furnisher and the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by American Express on multiple occasions regarding two separate credit card tradelines that were included in a XXXX XXXX XXXX. Despite repeated disputes and completed investigations, American Express continues to furnish inaccurate and internally inconsistent information to certain consumer reporting agencies. 

Using the same bankruptcy records and dispute information, XXXX determined that both American Express tradelines could not be verified and deleted them from my XXXX  credit report. However, American Express continues to report these same accounts to XXXX  and XXXX, where the tradelines remain reported inaccurately and in direct contradiction to XXXX verified deletions.

The continued reporting reflects bankruptcy-related information combined with contradictory account data that can not lawfully coexist under credit reporting standards. Although disputes were marked as investigation complete or updated, the inaccurate reporting was not corrected or deleted at XXXX  and XXXX. 

This demonstrates a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice. Furnishing information that has already been deleted by another nationwide consumer reporting agency establishes that the data is not verifiable. Continued reporting under these circumstances violates the Fair Credit Reporting Act, applicable provisions of the Fair Debt Collection Practices Act, and the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices.

Any reinsertion of these tradelines at XXXX, where the accounts were deleted due to unverifiable reporting, would also violate federal reinsertion protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
These accounts do not belong to me, and I request prompt deletion within 15 days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company : XXXX XXXX, XXXX Account # XXXX Issue : Incorrect information on credit report I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX, XXXX. 

XXXX is reporting a closed installment account with a {$0.00} balance as delinquent, including a 90 days past due status on TRANSUNION and delinquency language on EQUIFAX, despite the account being closed and paid. 

The reporting is inconsistent and misleading. While the account is shown as closed with no balance owed, it continues to be coded with a derogatory delinquency status. Additionally, the payment history grid reflects on-time indicators, and states EXCEPTIONAL PAYMENT HISTORY which contradicts the delinquent status being reported. 

This creates a materially misleading representation of my credit history and fails to meet the Fair Credit Reporting Acts requirement for maximum possible accuracy. Information presented in a misleading or confusing manner is inaccurate under FCRA 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ) I am requesting that XXXX correct the account status to accurately reflect a closed, paid account without any delinquent designation, or delete the account entirely if it can not be reported accurately and consistently across consumer reporting agencies. 

Attached are my TransUnion and Equifax credit reports demonstrating the inconsistent and misleading reporting. 

Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief