vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/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 2025-08-16 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: SC

Complaint narrative:
I was chargeXXXX XXXX XXXX XXXX from Chime banking it was reported on my credit report as a ongoing balance from an overdraft when I reached out to chime customer service twice at XXXX different times both representatives told me it was incorrect information I dont have an overdraft balance and its impossible since my overdraft limit only reached a certain amount it never got fixed so I closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXX  who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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 2025-08-16 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: PA

Complaint narrative:
I am submitting a formal complaint against Experian for reporting inaccurate and inconsistent information on my credit report. 

The account in question is : Creditor : XXXX XXXX ( XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Experian is reporting a late payment on this account. However, this same account is not reported as late by TransUnion or other credit bureaus, which indicates a discrepancy in the accuracy of the data being reported. 
I have already submitted prior disputes to Experian and to the creditor directly. Despite this, the negative information remains unchanged in Experians system, without proper verification or explanation.

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to ensure the information they report is accurate, complete, and verifiable. Reporting a late payment on only one bureau, while others do not reflect it, raises serious concerns about Experians data handling and investigation process. 

XXXX XXXX confirmed that the information is correct by a complaint that I submitted about this same account on XX/XX/year>, complaint # XXXX. This means that if the information was corrected by XXXX XXXX why Experian keep reporting a late payment for this same account?

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 2025-08-16 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: KY

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 2025-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are unauthorized credit inquiries on my credit file that I did not authorize. 

Specifically : XXXX XXXX XXXX XXXX XX/XX/year>2025 ( Experian ) & XX/XX/year> ( Equifax ) XXXX XXXX XX/XX/year>2025 ( Experian ) Under FCRA 604 ( a ), a consumer report may only be accessed with my written authorization and for a permissible purpose. I have never given consent for these inquiries, and both Experian and Equifax have failed to provide any signed documentation proving authorization.

Reporting inquiries without proof of permissible purpose is a violation of the FCRA and non-compliant with XXXX XXXX reporting standards. 

I am requesting the immediate deletion of these inquiries from my file for failure to verify authorization and failure to comply with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result 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 explanation
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
The company failed to send me all or any of the requested paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had a PayPal account registered since XXXX, I was using it successfully, I had no problems, but suddenly my account was restricted and asked to upload documents, after uploading the documents my account was blocked permanently, in addition, there was no dispute on my account for the entire time the account existed, I used it for personal use, no fraudulent activity, I contacted customer service and they told me that the decision is final and can not be appealed against No appeal, I believe my account was blocked for no good reason, I would like to appeal, the account was restricted in XXXX after XXXX  years of using the account, they did not tell me the exact reason, they only told me the decision was final!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Formal Complaint : Improper Bankruptcy Reporting Verified Through XXXX Instead of Court To the Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am submitting this complaint regarding the improper reporting of a bankruptcy appearing on my credit reports with Experian, Equifax, and TransUnion. 

I have already disputed this item with all three credit bureaus. However, each bureau responded that the bankruptcy was verified through XXXX. This practice is inaccurate and unlawful. XXXX is not the originating source of public record information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit reporting agencies are required to conduct a reasonable reinvestigation and verify disputed information with the original source the bankruptcy court itself not a third-party vendor. * I contacted the bankruptcy court directly, and they confirmed that they do not report bankruptcies to the credit bureaus. Therefore, the bureaus can not legally validate the accuracy of this bankruptcy by relying solely on a third-party database. By doing so, they are violating their obligations under the FCRA to ensure maximum possible accuracy ( 1681e ( b ) ) and to properly reinvestigate disputed information ( 1681i ).

This false reporting is causing ongoing harm to my financial stability and personal life. This unverifiable bankruptcy is preventing me from securing fair opportunities and moving forward.

I respectfully request that the CFPB : 1. Investigate Experian, Equifax, and TransUnion for their improper reliance on XXXX rather than the bankruptcy court. 
XXXX. XXXX immediate deletion of this bankruptcy from all of my credit reports, as it can not be verified through the proper legal source. 
XXXX. Require credit bureaus to cease using third-party vendors to verify public record information in place of direct confirmation from the actual reporting entity. 

This matter is both unfair and unlawful under the FCRA, and I ask for your urgent attention to correct it. Thank you for ensuring that consumer protection laws are enforced and that individuals are not harmed by inaccurate reporting practices. 

Sincerely XXXX XXXX XXXX XXXXXXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Formal Complaint : Improper Bankruptcy Reporting Verified Through LexisNexis Instead of Court To the Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am submitting this complaint regarding the improper reporting of a bankruptcy appearing on my credit reports with XXXX XXXX XXXX XXXX 

I have already disputed this item with all three credit bureaus. However, each bureau responded that the bankruptcy was verified through LexisNexis. This practice is inaccurate and unlawful. LexisNexis is not the originating source of public record information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit reporting agencies are required to conduct a reasonable reinvestigation and verify disputed information with the original source the bankruptcy court itself not a third-party vendor. * I contacted the bankruptcy court directly, and they confirmed that they do not report bankruptcies to the credit bureaus. Therefore, the bureaus can not legally validate the accuracy of this bankruptcy by relying solely on a third-party database. By doing so, they are violating their obligations under the FCRA to ensure maximum possible accuracy ( 1681e ( b ) ) and to properly reinvestigate disputed information ( 1681i ).

This false reporting is causing ongoing harm to my financial stability and personal life. This unverifiable bankruptcy is preventing me from securing fair opportunities and moving forward. 

I respectfully request that the CFPB : XXXX. InvestigatXXXX XXXX XXXX XXXX XXXX for their improper reliance on LexisNexis rather than the bankruptcy court. 
XXXX. XXXX immediate deletion of this bankruptcy from all of my credit reports, as it can not be verified through the proper legal source. 
XXXX. Require credit bureaus to cease using third-party vendors to verify public record information in place of direct confirmation from the actual reporting entity. 

This matter is both unfair and unlawful under the FCRA, and I ask for your urgent attention to correct it. Thank you for ensuring that consumer protection laws are enforced and that individuals are not harmed by inaccurate reporting practices. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: KY

Complaint narrative:
Case # XXXX was the plantiff XXXX XXXX XXXX and then they sold the debt to Stender & Stenger. My paychecks were garnished for this debt for a credit card I had with XXXX XXXX XXXX  in the amount of {$960.00}. Now they are trying to get another default judgement on the same credit card. Case # XXXX. I called the court house and they told me the case number had changed due to the selling of the debt and that once the garnishment was done I would receive a letter stating the debt was honorably discharged. I didn't receive anything from this company and I requested it. This was paid in full and now they are trying to get paid again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CT

Complaint narrative:
I am writing to formally request the removal of certain information from my credit file.

Attached, you will find a document listing the specific items that need to be deleted. I am a victim of identity theft, and my credit report contains multiple accounts and inquiries that I did not apply for.

As I have reported the theft of my identity to the Federal Trade Commission, I have included copies of the report for your reference. I kindly ask that you delete these fraudulent items to ensure my credit report reflects only accurate information.

Additionally, I request that you block this information from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which addresses the rights of consumers in cases of identity theft.

I appreciate your prompt attention to this matter and look forward to your swift response.

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 2025-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
Radius Global Solutions, LLC sent a XXXX XX/XX/XXXX collections letter on Radius Account # XXXX regarding an a {$1100.00} outstanding debt with the original creditor, XXXX XXXX XXXX  Account # XXXX, in violation of the Fair Debt Collections Act. I reported the debt as a result of identity theft and provided supplemental documentation to the original creditor XXXX XXXX XXXX in XX/XX/XXXX. In XXXX XXXX XXXX XXXX XXXX XXXX and all credit reporting agencies permanently removed this debt from my credit files. 

However, on XXXX XX/XX/XXXX Radius Global Solutions, LLC intentionally reinserted the previously deleted information from my files to harm my credit rating. The debt collector illegally used its skip-trace function as an informal location service to track down my whereabouts, validate my personal information before sending it to unauthorized third parties without my knowledge and consent. When I compared legitimate XXXX XXXX XXXX  correspondence to the letter from Radius Global Solutions, it appears that Company representatives from Radius Global Solutions, LLC generated what appears to be a fake document using a scanned XXXX XXXX XXXX logo to deceive me into claiming and paying a debt for which I do not owe. 

Clearly Radius Global Solutions, LLC uses deceptive debt collections practices in violation of the Fair Debt Collections Practices Act to collect debts due to identity theft, reinserts previously deleted information from credit files, and abuses its skip-trace practices to give unauthorized third parties personal information without consent. Radius Global Solutions, LLC deliberately reports previously deleted information to third parties to intentionally harm my credit rating. The debt collector outdated and outmoded information from debts to track down people without their knowledge and consent.

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