vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : No charged-off accounts listed for dispute. 

Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$110.00}

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 non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I recently discovered that a collection was in my name without my knowledge or consent. I have no idea how this happened, and I never authorized this account. I have never had knowledge of this credit, used it, or received any correspondence about it until I noticed it affecting my credit score. This has been a nightmare that I never expected to deal with, and despite my repeated efforts to dispute the account, my claims keep getting rejected. 
I have contacted the credit issuer multiple times, explaining that I did not open this account. I have provided all the necessary information to prove that this is fraudulent, yet they refuse to remove the debt from my record. Instead, they continue to insist that I am responsible for a balance I never accrued. They want me to pay for a debt that is not mine, and I feel completely helpless in this situation. 
My credit score has suffered significantly because of this fraudulent account. I have worked hard to maintain good credit, and now my financial standing is being destroyed by something I had no control over. I have filed disputes with the credit bureaus, yet they keep rejecting them. I have provided proof that this account is fraudulent, yet they still insist that I am liable for the balance. This is unfair, unjust, and completely unacceptable. I recently discovered that a credit card was opened in my name without my knowledge or consent. I have no idea how this happened, and I never authorized this account. I have never applied for this card, used it, or received any correspondence about it until I noticed it affecting my credit score. This has been a nightmare that I never expected to deal with, and despite my repeated efforts to dispute the account, my claims keep getting rejected. 
I have contacted the credit card issuer multiple times, explaining that I did not open this account. I have provided all the necessary information to prove that this is fraudulent, yet they refuse to remove the debt from my record. Instead, they continue to insist that I am responsible for a balance I never accrued. They want me to pay for a debt that is not mine, and I feel completely helpless in this situation.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I have been dealing with Selene Finance for about a year now it is my XXXX th company my mortgage has been transferred too. I can not get anywhere and I have dealt with about XXXX different people. Its not right that I can not have a sole contact I want to resolve it but its impossible can someone please reach out to me I would love to stay in my home w my family I work I have a police pension and I can not work this out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: AL

Complaint narrative:
XXXX honestly scared and really confused right now. A company called Zwicker & Associates, XXXX recently sent me mail claiming I owe them a debt but I have never done any business with them. I have no idea what this is about. This came to me after my information was illegally shared in XXXX credit bureau breaches. 

To make things worse, when I checked my credit report, I saw that they accessed my credit report without my consent in XXXX or XX/XX/year>. I did not apply for credit, I dont have any open accounts with them, and I never gave them permission to pull my report. I dont even know who they are. 

They have also not provided any proof of this alleged debt, which I understand is required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I sent no request for credit, and they have not given me any documentation showing they have a legal right to collect from me or to even do business in my state. Their letter was vague and intimidating, and it made me feel like my personal information was being used in ways I dont understand or agree to.

From what Ive read, both the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and the Fair Debt Collection Practices Act ( FDCPA ) say that : A company must have a permissible purpose before pulling a credit report, They must verify and validate a debt before making any collection attempts, And they must clearly disclose their right to collect and operate within the state. 

Zwicker & Associates, XXXX has not done any of that. Their contact and letter felt threatening and confusing. XXXX now worried about my privacy, my credit, and whether my identity could be misused. 

Please investigate : Why Zwicker & Associates, XXXX accessed my credit report, Whether they have proper authorization or a permissible purpose, And whether theyre in compliance with the FDCPA and FCRA XXXX 

Im really anxious and dont know what else to do. I just want this inquiry removed, my information protected, and some clarity on why they are contacting me about a debt that doesnt exist. I've mailed them a cease and desist yet they continue to send me letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MN

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Experian willfully violated FCRA Section 1681i ( a ) ( 6 ) ( B ) ( i ) by failing to provide Method of Verification within the mandatory 15-day deadline. 

TIMELINE OF VIOLATIONS : - XX/XX/year> : I disputed multiple XXXX XXXX XXXX XXXX accounts via certified mail due to gross inaccuracies ( accounts show {$0.00} on Experian but {$11000.00} on XXXX  - impossible if accurate ) - XX/XX/year> : Experian received my dispute ( XXXX XXXX # XXXX confirms delivery ) - XX/XX/year> : Federal deadline for Method of Verification response per FCRA - XX/XX/year> : No response received - willful violation confirmed SPECIFIC VIOLATIONS : 1. Failed to provide MOV within 15 days ( FCRA 1681i ( a ) ( 6 ) ( B ) ( i ) ) 2. Failed to delete unverifiable information ( FCRA 1681i ( a ) ( 5 ) ( A ) ) 3. Maintaining admittedly inaccurate information ( FCRA 1681e ( b ) ) 4. Pattern of non-compliance suggesting willful violations DISPUTED ACCOUNTS REQUIRING DELETION : - XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX ( Shows {$0.00} on Experian, {$11000.00} on XXXX  ) - XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX ( Shows {$0.00} on Experian, {$180.00} on XXXX  ) - XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto loan - {$18000.00} ) - XXXX XXXX  # XXXXXXXX XXXX XXXX  ( {$2200.00} ) These mathematical impossibilities prove Experian can not verify accuracy, yet they refuse to delete.

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 2025-11-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a credit card with Citibank bank that was stolen and used by someone else. I told them this but they still are pinning charges on me

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 2025-11-12 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: IL

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 2025-11-12 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I was charged {$1700.00} on my Capital One Quicksilver Credit Card by a company called XXXX XXXX XXXX for an extended vehicle service contract ( Policy # XXXX. XXXX XXXX XXXX confirmed my purchase through several emails but never provided the promised coverage. The company has since gone out of business, and all phone numbers and websites are inactive. 

I filed a dispute with Capital One ( XXXX # XXXX ), but it was denied because the transaction was considered outside the allowed dispute timeframe. I am requesting that Capital One review this case again under fraud and hardship circumstances, since the merchant is permanently closed and I received no product or service for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
my information was released into the data breach and I checked my consumer profile and I had multiple accounts that are unauthorized, inaccurate and unverifiable information I did not authorize these accounts I am a victim of identity.

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 2025-11-12 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: MO

Complaint narrative:
Inaccurate reporting for XXXX  ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX credit report XX/XX/XXXX This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my Student Loan account ending in XXXXXXXX XXXX XXXX XXXX XXXX  on my Equifax credit report. 
Equifax lists this account as 90 days late in XX/XX/XXXX but paid ok several months leading up til XXXX and thereafter. XXXX  and XXXX  show no reporting XX/XX/XXXX, ok in XXXX and XX/XX/XXXX, then 90 days late in XXXX of XXXX. A 90-day late can not occur without sequential prior delinquencies, rendering this reporting factually impossible. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Under 611 ( a ), this entry must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Im disputing a debt from Columbia Debt Recovery ( XXXX ) for XXXX XXXX XXXX XXXX, XXXX, CA. The amount ( {$12000.00} + {$1600.00} interest ) is not accurate. The lease doesnt allow interest or finance chargesadding 7 % violates FDCPA 1692f ( 1 ). They also added {$1600.00} legal fees with no court order. The landlord failed to send an itemized statement within 21 days of move-out ( XX/XX/year> ) ; under CA Civil Code 1950.5 ( g ), all cleaning, carpet, and damage deductions are void. The balance includes unauthorized fees and inflated charges. Im asking that all unverified and illegal amounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
My daughter was given a Gift Card through prepaidgiftbalance.com Never used it. We just called today to check the balance and the customer service representative said the card was called in XXXX  years ago stating fraud. 
Makes no sense. Theres a balance of {$30.00} and the card is inactive due to fraud. 
We never called this company claiming fraud. Never even used the card yet. Representative says because we never registered the card when we got it that theres nothing they can do about it. So now I have a gift card with a {$30.00} balance that XXXX cant even use because apparently its fraudulent. What the heck!

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 2025-11-12 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: AZ

Complaint narrative:
I am writing to dispute the following information on my TransUnion credit report. I believe the information is inaccurate or incomplete and request that the items be investigated and corrected accordingly. 

Charged Off Accounts : XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$650.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$850.00} Late Payments : 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 2025-11-12 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: LA

Complaint narrative:
My information was involved in a data breach. I need all negative information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AZ

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 XXXX 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