vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Subject : Demand for Immediate Correction of Late Payment Reporting Dear [ Creditor 's Name ], I am writing to formally dispute the accuracy and veracity of the late payment entries reported by your agency regarding my account ( Account # XXXX ) with XXXX XXXX XXXX, originally with XXXX XXXX XXXX. I demand a thorough investigation into this matter, as I believe you are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

* * Legal Violations : * * 1. * * 15 USC 1681b - Permissible Purpose : * * You have reported inaccurate information without my consent, which is a direct violation of my rights under this statute. The FCRA mandates that consumer reporting agencies must have a permissible purpose to access my credit report.

2. * * 15 USC 1681e ( b ) Accuracy and Integrity : * * Under this provision, you have a responsibility to ensure maximum possible accuracy in your reporting. The late payment entries are unverifiable, inaccurate, and outdated, thus failing this requirement.

3. * * 15 USC 1666b Payment Timeliness : * * Furthermore, this law states that a creditor can not treat a payment under an open-end consumer credit plan as late if it is received within the time frame specified. I contend that the reported late payments do not reflect my actual payment history.

4. * * Doctrine of Estoppel by Silence : * * In accordance with Engelhardt v. Gravens, 281 S.W. 715, 719 ( MO ), I assert that the lack of proof of the alleged debt should lead to the presumption that no such debt exists. It is your responsibility to provide verifiable evidence of any outstanding balance.

* * Request for Action : * * Based on the above legal violations and inaccuracies in reporting, I demand the following actions be taken immediately : - Correct the late payment entries to reflect that my account is paid on time.

- Permanently delete any unverifiable, inaccurate, outdated, or incomplete information from my credit report across all bureaus ( XXXX, XXXX, and XXXX  ). 
- Provide written confirmation of these corrections within 30 days of receiving this letter, as required by the FCRA.

Please take this matter seriously. The inaccuracies in your reporting can severely impact my creditworthiness, and I will not hesitate to escalate this issue to the appropriate regulatory authorities if necessary.

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

Sincerely,

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 2025-06-18 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: MD

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and several accounts and inquiries listed on my credit report were neither authorized nor initiated by me. These items are incorrect and do not pertain to my credit history. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the unauthorized accounts and inquiries from my credit report. To assist in the investigation, I have attached a list of the disputed items as well as a copy of my Identity Theft Report, which I filed with the Federal Trade Commission. 

I kindly ask that you promptly investigate and remove these fraudulent entries from my credit file. Once the corrections have been made, I request written confirmation of the changes, along with an updated copy of my credit report reflecting the updated 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Equifax for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) related to the inaccurate and deceptive reporting of an account listed as : Account Name : XXXX XXXX XXXX XXXX  Account Number ( Partial ) : XXXX Nature of the Complaint : This account is marked as a charge-off, which means it is closed and should not be actively updating. However, Equifax continues to update this charged-off account on a monthly basis, which is not only inaccurate but also a deceptive practice used to : Manipulate the date of last activity Artificially extend the life of a negative account on my consumer report Damage my credit profile and scores through ongoing negative updates, despite the account being closed and written off Legal Violations : These actions constitute violations of several provisions of the Fair Credit Reporting Act, including : 15 U.S. Code 1681e ( b ) : Equifax has failed to maintain maximum possible accuracy.

15 U.S. Code 1681i : I dispute the accuracy and completeness of this ongoing reporting.

Unfair practices intended to prolong derogatory credit damage, which may constitute willful noncompliance.

Once a debt is charged off, it is a closed matter and should not continue to report monthly as if active. By doing so, Equifax is manipulating the credit reporting system in bad faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I received a text message on XX/XX/year> from someone identifying themselves as Credence Resource Management offering to resolve a debt with XXXX XXXX XXXX. The text included personal information about myself without verifying my identity. I have never had an account for XXXX XXXX XXXX and do not owe anything to them for them to collect on. 

After researching the company, I have reason to believe they have been the source of phone calls I have been receiving since XXXX of this year. The numbers are spoofed in order to get around blocks and at times exceed the legal limit on debt collectors regarding contact attempts. They also reported this fraudulent debt to XXXX  and XXXX, which has affected my credit score.I am reluctant to contact the company themselves as others have reported that rather than trying to resolve the problem Credence Resource Management will instead harass you to assume responsibility for a debt you do not owe. I have disputed this claim with both credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
A credit company called Portfolio Recovery calls up to XXXX times a day. They hijack New Mexico phone numbers and threaten me non stop to pay or they will garnish my disability checks. They never stop calling. It's literally XXXX. Most days I have to keep my ringer off because the calls are non stop back to back calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : [ XX/XX/XXXX ] TO. Legal department TransUnion LLC XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Formal Dispute Under 15 U.S.C. XXXX XXXX XXXXXXXX XXXX  To Whom It May Concern, I am formally disputing the information reported by XXXX XXXXXXXX XXXX XXXXXXXX ( Account No. ending in XXXX ) on my TransUnion credit report dated XX/XX/XXXX. This account is inaccurately reported as a charge-off with an outstanding balance of {$100.00}, and over 40 missed payments are listed continuing beyond the account closure date of XX/XX/XXXX. 
Under 15 U.S.C. 1681c2, if this information is inaccurate or unverifiable, TransUnion is required to delete it from the credit report within 4 business days of receiving this notice.

The ongoing post-closure reporting of missed payments is false, misleading, and constitutes negligent or willful violation of the Fair Credit Reporting Act. I demand a full investigation and deletion of the disputed information, or provide verifiable documentation within the time permitted by law. 
Please confirm receipt and provide a written response with the results of your investigation. 
Sincerely, 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple unauthorized and excessive hard inquiries on my credit report. These inquiries were made without my consent, are not tied to any open account, and are negatively affecting my credit score and financial opportunities. I submitted a formal dispute letter demanding deletion under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), 607 ( b ), and 609 ( a ) ( 1 ), and I am requesting CFPB assistance in ensuring these violations are corrected. My attached letter lists the inquiries in question.

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 2025-06-18 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: OH

Complaint narrative:
PLEASE SEE ATTACHMENTS. 
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I am filing a complaint regarding a debt collection account being reported by Aldous & Associates, P.L.L.C. on behalf of XXXX XXXX. The collector sent a letter and contract to validate the debt, but the documentation is incomplete and contains multiple serious errors : The contract they provided lists a total due of {$330.00}, but there is no breakdown of charges, no statements, and no evidence explaining how this amount was calculated. 
The personal information on the documents is inaccurate, including a wrong date of birth and an incomplete address ( XXXX XXXX XXXX XXXX XXXX ). 
Because of this, I was never properly notified of the debt and was denied my right to dispute it within 30 days under the FDCPA. 
The contract shows only a {$24.00} charge at signing and lacks any supporting documentation of ongoing charges or missed payments. 

These discrepancies raise serious questions about the accuracy, ownership, and enforceability of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Bank USA is reporting a Target credit card account as a charge-off on my TransUnion report, even though I was only listed as an authorized user. As an authorized user, I should not be held responsible for the balance or reported negatively. I disputed the account with TransUnion, but no correction or documentation was provided. The continued reporting of a charge-off in my name is inaccurate under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

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

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence. Engelhardt. v Gravens ( mo ) 281 SW715.719 I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character ). XXXX  XXXX balance {$10000.00}, XXXX  XXXX balance {$2000.00}, XXXX  XXXX balance {$2200.00}.

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 2025-06-18 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:
The inquiry in question is invalid as it was not initiated by me. I never granted permission for this access to my credit file, and I request its immediate removal.

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 2025-06-18 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: NJ

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 : 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 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I HAVE SEVERAL INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZE. THOSE INQUIRIES DO NOT BELONG TO ME. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX  ( Finance ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I HAVE SEVERAL INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZE. THOSE INQUIRIES DO NOT BELONG TO ME. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX  ( Finance ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank ( JPMCB ) and the credit bureaus ( XXXX XXXX XXXX XXXX ) for reporting fraudulent accounts under my name caused by identity misuse and business deception. 

Multiple Chase accounts ( ending in XXXX, XXXX, and XXXX ) were opened by XXXX XXXX XXXX using my business ( XXXX XXXX ) and personal credit without proper authorization. He personally guaranteed one account under XXXX XXXX and used deceptive means to coerce me into financial liability I did not approve. 

He is currently being sued by the FTC and Florida Attorney General ( XXXX XXXX ) for fraudulent investment schemes. Additionally, the bureaus report my name incorrectly as XXXX XXXX, which supports a case of data misattribution and file mixing. 

This violates FCRA 1681e ( b ), 1681s-2, and 1681c-2. I am requesting the immediate deletion of these tradelines, correction of my personal information, and penalties against the parties who failed to properly investigate. 

I seek removal of all Chase accounts tied to this fraud and full restoration of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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