vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate reporting to bureau. Account number XXXX ( Transunion only ) I DO NOT OWE THIS DEBT.

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 2025-08-02 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX BANK # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
I will attach the screenshot of the third party debt collector notice XXXX holding this debt that shouldnt even exist in the first place, originally from XXXX XXXX XXXX. Its for an old phone that I had with XXXX XXXX XXXX. However I ended the contract with XXXX XXXX XXXX and purchased a new phone outright and switched my wireless carrier. This was fine with XXXX XXXX XXXX and I was advised I would owe no balance as long as I sent the device back using their shipping label that was provided. I did exactly that, sent the phone back with the provided label however this was during the peak of COVID and shipping was SIGNIFICANTLY delayed. I spoke with them about this multiple times. Eventually the phone was received by then ( Im assuming ) but it was in the XXXX tracking service on its way there. They received their phone back and there should be no debt in my name and its driving me up a wall that this stupid thing is still hanging on my credit report, with only XXXX bureau. The XXXX other major ones have already removed this debt quite some time ago after a dispute which the found I was correct but it still appears on XXXX. Please help me get this stupid thing taken care of

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 2025-08-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX To : Experian Credit Reporting Agency Dispute Department Subject : Formal Dispute of Inaccurate Payment History under FCRA To Whom It May Concern : I am writing to formally dispute, yet again, inaccurate information being reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my credit report, I noticed that my XXXX XXXX XXXX XXXX Credit Card account opened XX/XX/XXXX is reporting a missed payment, which is inaccurate and damaging to my otherwise good credit history. I have never missed a payment on this account, and I have reached out to both XXXX XXXX and your agency to have this resolved, but the error remains uncorrected. Furthermore, the reported missed payment appears to be inconsistent across all three credit bureaus, appearing in different months. I have both XXXX and XXXX reported and they both are inaccurate. 

This constitutes a violation of the FCRA under the following sections : - Section 607 ( b ) Your agency is required to maintain maximum possible accuracy in reporting consumer information. 
- Section XXXX ( a ) Upon notification of a dispute, you are required to conduct a reasonable reinvestigation and delete or correct any information that is found to be inaccurate or unverifiable.

- Section 623 ( b ) The furnisher ( XXXX XXXX ) is also required to investigate and report the results back to you and to the consumer within the statutory timeframe. 

I am requesting that this error be fully investigated, and either corrected to reflect a perfect payment history or permanently removed from my credit file if it can not be verified with 100 % accuracy. 

Please find enclosed a copy of my government-issued ID, and copies of my credit reports highlighting the error. 

If you are unable to verify the accuracy of this information upon receipt, the disputed entry must be deleted from my credit report under the FCRA. 

Please send me written confirmation of the correction or removal of the inaccurate payment history from my credit report. 

Sincerely, XXXX XXXX XXXX Last 4 SSN : 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 2025-08-02 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:
XXXX XXXX, XXXX : XXXX, XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion Credit reporting agency , 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. This fraudulent, inaccurate, and false information consist of a collection account opened at XXXX on XX/XX/XXXX, under the account number XXXX with a balance of {$1100.00}. This account has resulted in collections appearing on my consumer XXXX credit report. I've attached a list, and a copy of the consumer XXXX credit report maintained you the collection account I do not recognize appearing on my consumer credit report maintained by you were not opened, or made, or initiated by me, all of collection accounts are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal # XXXX as proof from the XXXX federal Trade Commission that all aforementioned and collection account are results of identity theft and fraud.

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 2025-08-02 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved .the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian , alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience .where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing .i am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I opened a Chase checking account approximately two months ago. On Monday, XX/XX/2025, I deposited my payroll check. Chase placed a hold on the check until XX/XX/XXXX. 

However, on XX/XX/XXXX, one day before the funds were supposed to be released, Chase closed my account without warning. I was not given a chance to access the funds before the account was closed. That Friday the XXXX, I visited a Chase branch and spoke with the XXXX XXXX XXXX, who contacted the back office/fraud department. They could not resolve the issue and told me I would now have to wait another 10 days to receive my payroll funds. 

This delay is causing serious financial hardship. Ive done nothing wrong, the check is valid, and I met all account requirements. I do not understand why Chase is holding my moneymy earned wagesespecially after they already imposed a lengthy 9-day hold.

I am requesting the immediate release of my payroll funds and a full explanation of why the account was closed and the funds withheld. This situation feels like an abuse of policy and a denial of access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
I am disputing an inaccurate and unauthorized collection account currently being reported on my credit file. 

A collection account from XXXX XXXX with account number ending in XXXX was reported with an open date of XX/XX/year>, for a balance of {$800.00}. I did not authorize this account and have no relationship or prior dealings with this company. I believe this account is being reported in error or is the result of identity theft.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I am submitting a formal follow-up complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - tied up to open XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX CXXXX XXXXXXXX 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 XXXXXX/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 2025-08-02 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: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR FULL DISPUTE AND IDENTIFYING DOCUMENTATION ] This is my third attempt to dispute inaccurate and contradictory information being reported across all three credit bureaus for my XXXX XXXX account . A 30-day late payment is being reported for XX/XX/year> by TransUnion and Experian, while Equifax shows the account as current ( " OK '' ) for the same period. This direct conflict renders the late payment unverifiable.

In addition, the account is being reported under different account numbers across the bureaus, and there are further discrepancies in the reported balances and last payment dates. After contacting the creditor directly, the account was abruptly closed rather than correctedraising concerns about the accuracy and verifiability of the data.

Despite two prior disputes, no correction has been made. The bureaus continue to verify this information without addressing the factual errors, violating FCRA 1681e ( b ) ( maximum accuracy ), 1681i ( reasonable reinvestigation ), and 1681s-2 ( b ) ( furnishers duty to investigate ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR FULL DISPUTE AND IDENTIFYING DOCUMENTATION ] This is my third attempt to dispute inaccurate and contradictory information being reported across all three credit bureaus for my XXXX XXXX account . A 30-day late payment is being reported for XX/XX/year> by TransUnion and Experian, while Equifax shows the account as current ( " OK '' ) for the same period. This direct conflict renders the late payment unverifiable.

In addition, the account is being reported under different account numbers across the bureaus, and there are further discrepancies in the reported balances and last payment dates. After contacting the creditor directly, the account was abruptly closed rather than correctedraising concerns about the accuracy and verifiability of the data.

Despite two prior disputes, no correction has been made. The bureaus continue to verify this information without addressing the factual errors, violating FCRA 1681e ( b ) ( maximum accuracy ), 1681i ( reasonable reinvestigation ), and 1681s-2 ( b ) ( furnishers duty to investigate ).

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal follow-up complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - tied up to open XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX CXXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NV

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, IA XXXX Re : Second Notice Formal Dispute of Inaccurate Credit Reporting Account # XXXX Dear XXXXXXXX XXXX XXXXXXXX Dispute Department , On [ date of your first letter ], I submitted a formal dispute regarding the inaccurate and incomplete information your company is reporting to the credit bureaus concerning the above-referenced auto loan account. 

To date, I have not received any evidence or documentation verifying the accuracy of the reported information. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, and my complaint has been acknowledged.

Legal Requirements Under FCRA Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 623 ( b ) : A furnisher must conduct a reasonable investigation of disputed information.

The furnisher must provide documentation verifying the accuracy of the information being reported. 

If the furnisher can not verify the information, they are required to delete or correct the information with all credit reporting agencies. 

Ongoing Violations Identified Duplicate Balance Reporting The same {$27000.00} is being listed as both " charged off '' and " past due, '' which is misleading ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Incomplete Data The fields for " Original Creditor '' and " Company Sold '' remain blank, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report complete and accurate information ).

Missing Payment History Absence of monthly pay
ment data misrepresents the accounts history.

Verification Failure You have not provided any signed contract, payment history, or other documentation verifying this account ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Final Demand If you can not provide full documentation verifying the accuracy and completeness of this account within 15 days of receiving this
letter, you are required by law to : Notify all credit bureaus to delete or correct this account immediately.

Provide me with a copy of the results of your investigation as required by FCRA 611 ( a ) ( 6 ).

Failure to comply will result in : Filing additional complaints with the CFPB, FTC, and my state attorney general.

Considering legal action for willful noncompliance under FCRA 616 and 617, which allow for actual, statutory, and punitive damages.

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