vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-03-11 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hello to whom it may concern. i did not open this -- XXXX XXXX -- account. iv disputed this account multipe times -- -- XXXX XXXX -- --. the crediter did not include an account number only XXXX so im also useing XXXX  for the account number my consumer rights are being violated under section 605b im am requesting all information regarding this accout be blocked in 4 days under section 605b please remove i did not open this account addresses are also not mine please remove 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 hard inquiries -- remove please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries 10 please remove under set 605b

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 2025-03-11 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:
hello to whom it may concern. i did not open this -- XXXX XXXX -- account. iv disputed this account multipe times -- -- XXXX XXXX -- --. the crediter did not include an account number only XXXX so im also useing XXXX  for the account number my consumer rights are being violated under section 605b im am requesting all information regarding this accout be blocked in 4 days under section 605b please remove i did not open this account addresses are also not mine please remove 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 hard inquiries -- remove please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries 10 please remove under set 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Dear SOURCE RECEIVABLES MNGMN, I am writing to demand immediate verification of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I refuse to acknowledge any debt until you provide clear, legally-required verification.

I hereby exercise my right to request the following.

1. The total amount of the debt you claim I owe.

2. The name and address of the original creditor.

3. A copy of the signed agreement or contract ( if applicable ) establishing that I am legally obligated to pay this alleged debt.

4. A complete account history, including any statements that substantiate the existence and accuracy of this debt.

5. A copy of the assignment of debt contract between your agency and XXXX XXXX XXXX XXXX XXXX evidencing your legal authority to collect this debt. 

You are required by law to provide this verification within 30 days of receipt of this letter. If you fail to comply with this request, I will consider this matter closed, and any further collection attempts will be treated as a violation of the FDCPA. Additionally, I will pursue all available legal remedies to hold you accountable for harassment and any false reporting to credit bureaus. 

Furthermore, I demand that you immediately cease all collection activities, including but not limited to phone calls, emails, letters, or any attempts to report this alleged debt to credit bureaus, until you have fully validated this debt. I demand that you notify each credit reporting agency, this debt is disputed until validation is completed, as required by 15 U.S.C. 1692g ( b ). If you fail to comply with these demands, I will take appropriate legal action against you, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 

Let me be clear : if you can not prove this debt is legitimate and validate my responsibility for it within the legally required timeframe, you will be required to cease all collection efforts, and you will have no legal ground to continue reporting it to credit bureaus. 

Take this letter as formal legal notice. You have 30 days to comply. If you fail to provide the necessary verification, I will consider this matter closed and will take legal action to protect my rights and credit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
Contacted XX/XX/year> by phone number XXXX to state I had a debt owed. Debt collector refused to send me verification of debt letter and hung up the phone. Debt collector identified themselves as Radius Global Solutions.

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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

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 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-11 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: CA

Complaint narrative:
I am writing to formally dispute a discrepancy in my credit report regarding the payment history on Account XXXX XXXX reported by TransUnion and Experian. According to my credit report from Equifax, the total number of late payments is reported as 11, not 21, as reflected in both TransUnion and Experian reports. The Remarks also dont align nor do the dates the accounts were opened. The terms and account also dont align.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information in my credit report must be accurate, complete, and verifiable. This includes ensuring consistency of the data across all three credit bureaus. The discrepancies in the reported number of late payments between TransUnion, Experian, and Equifax are a violation of the FCRA, which requires the correction of inaccurate information. Additionally, under FCRA 1681i, I am entitled to a timely investigation of any dispute I raise regarding the accuracy of information on my credit report. If a report is found to be inaccurate or incomplete, it must be corrected or deleted. 
Furthermore, under the California Consumer Credit Reporting Agencies Act ( CCRAA ), California Civil Code 1785.1 et seq., credit bureaus are obligated to ensure that all information they report is accurate and up-to-date. Discrepancies such as this undermine the reliability of credit reports and create an unfair disadvantage to consumers. Specifically, California Civil Code 1785.14 mandates that once a dispute is raised, the credit bureau must promptly investigate the accuracy of the disputed information and correct any inaccuracies.

I request that you immediately conduct a thorough investigation of the disputed late payments and update my credit report to reflect the accurate total of 11 late payments, as reported by Equifax. Failure to address these discrepancies may be considered a violation of the above-mentioned laws.

Under both the FCRA and CCRAA, I am entitled to receive a written response confirming the outcome of your investigation within 30 days. Should the discrepancy not be corrected, I request a detailed explanation of your findings, including any documentation or evidence used to support your investigation, as required by law.

Please also provide me with an updated copy of my credit report once the dispute has been resolved, reflecting the correction of the late payment history.

I trust that you will take prompt action to ensure compliance with FCRA and CCRAA to prevent any further harm to my credit and financial well-being.

Thank you for your immediate attention to this matter. I expect the dispute to be resolved in full compliance with both federal and California state laws.

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 2025-03-11 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 am writing to formally dispute a discrepancy in my credit report regarding the payment history on Account XXXX XXXX reported by TransUnion and Experian. According to my credit report from Equifax, the total number of late payments is reported as 11, not 21, as reflected in both TransUnion and Experian reports. The Remarks also dont align nor do the dates the accounts were opened. The terms and account also dont align.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information in my credit report must be accurate, complete, and verifiable. This includes ensuring consistency of the data across all three credit bureaus. The discrepancies in the reported number of late payments between TransUnion, Experian, and Equifax are a violation of the FCRA, which requires the correction of inaccurate information. Additionally, under FCRA 1681i, I am entitled to a timely investigation of any dispute I raise regarding the accuracy of information on my credit report. If a report is found to be inaccurate or incomplete, it must be corrected or deleted. 
Furthermore, under the California Consumer Credit Reporting Agencies Act ( CCRAA ), California Civil Code 1785.1 et seq., credit bureaus are obligated to ensure that all information they report is accurate and up-to-date. Discrepancies such as this undermine the reliability of credit reports and create an unfair disadvantage to consumers. Specifically, California Civil Code 1785.14 mandates that once a dispute is raised, the credit bureau must promptly investigate the accuracy of the disputed information and correct any inaccuracies.

I request that you immediately conduct a thorough investigation of the disputed late payments and update my credit report to reflect the accurate total of 11 late payments, as reported by Equifax. Failure to address these discrepancies may be considered a violation of the above-mentioned laws.

Under both the FCRA and CCRAA, I am entitled to receive a written response confirming the outcome of your investigation within 30 days. Should the discrepancy not be corrected, I request a detailed explanation of your findings, including any documentation or evidence used to support your investigation, as required by law.

Please also provide me with an updated copy of my credit report once the dispute has been resolved, reflecting the correction of the late payment history.

I trust that you will take prompt action to ensure compliance with FCRA and CCRAA to prevent any further harm to my credit and financial well-being.

Thank you for your immediate attention to this matter. I expect the dispute to be resolved in full compliance with both federal and California state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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