vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding LOANCAREs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. LOANCARE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. LOANCARE 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under XXXX XXXX. XXXX ( a ) ( XXXX ), furnishers must ensure accuracy, yet errors persist. Additionally, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) requires a reasonable investigation of disputes, which Equifax has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
On XX/XX/year>, I received a collection letter from Radius Global Solutions offering a resolution and payment coupons for an alleged XXXXXXXX XXXX XXXXXXXX account XXXX I dispute the debt in its entirety. 
Radiuss letter pressures payment before providing the documents needed to verify the debt. I sent a written dispute/validation request and ceaseanddesist by certified mail and requested writtenonly communications. I also revoked any prior consent to call/text under the TCPA. 
I requested : the contract/cardholder agreement ; full itemization from {$0.00} ; monthly statements ; chargeoff statement ; ownership/chain of title ; collector licensing/authority ; and whether they are reporting to XXXX ( and to mark it disputed ). 
Under 15 U.S.C. 1692g ( b ), collection activity must be suspended until validation is sent. I am concerned they may report or continue to report to consumer reporting agencies without proper verification and without noting my dispute, contrary to FCRA furnisher duties

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
No debt validation letter received. Collection company do not own the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

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 2025-09-18 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: FL

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 1681i, the report must only include information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

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 2025-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and I noticed they have late Payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I never been late on payments for the account XXXX XXXX XXXX Account XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these payments be updated on time, as they should be, as I was never late. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am writing to formally dispute certain accounts appearing on my credit file that do not belong to me. These accounts are the result of identity theft and must be removed and blocked from my credit report. 

Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, a consumer reporting agency is required to block the reporting of information resulting from identity theft within XXXX business days of receipt of : XXXX. Proof of the consumers identity, XXXX. A copy of an identity theft report, XXXX. The identification of the fraudulent information, and XXXX. A statement that the information does not relate to the consumer. 

Enclosed you will find : A copy of my government-issued identification, A copy of my identity theft report, A list of the fraudulent accounts that should be removed and blocked. 

ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove and block these accounts from my credit file immediately as required by law. I expect written confirmation once this has been completed.

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 2025-09-18 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: TX

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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am submitting this complaint against OppLoans for unlawful actions under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq. 

On or about XXXX XXXX, XXXX reported information and/or made inquiries to the credit reporting agencies regarding my consumer credit file without my knowledge, authorization, or consent.

Violations Under FCRA XXXX  did not have my authorization or a permissible purpose under 15 U.S.C. 1681b to obtain or report my consumer credit information. 
XXXX continued to report information without providing me with required proof or billing details. 
These actions have caused measurable harm, including damage to my credit score, distress, and impairment of my ability to obtain fair credit opportunities.

Violations Under GLBA XXXX  failed to safeguard and properly handle my private financial information, as required under the Gramm-Leach-Bliley Act.

I was not given the required privacy disclosures or an opportunity to opt out of the sharing of my information before it was reported to credit bureaus.

Violations Under FCBA I requested an itemized bill/statement to validate the debt XXXX  claims I owe. XXXX failed to provide this documentation. 
Continuing to report a debt to credit bureaus without furnishing proper validation or billing records upon request violates my rights under the Fair Credit Billing Act ( FCBA ) and compounds the FCRA violations.

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 2025-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against OppLoans for unlawful actions under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq. 

On or about XXXX XXXX, XXXX reported information and/or made inquiries to the credit reporting agencies regarding my consumer credit file without my knowledge, authorization, or consent.

Violations Under FCRA XXXX  did not have my authorization or a permissible purpose under 15 U.S.C. 1681b to obtain or report my consumer credit information. 
XXXX continued to report information without providing me with required proof or billing details. 
These actions have caused measurable harm, including damage to my credit score, distress, and impairment of my ability to obtain fair credit opportunities.

Violations Under GLBA XXXX  failed to safeguard and properly handle my private financial information, as required under the Gramm-Leach-Bliley Act. 
I was not given the required privacy disclosures or an opportunity to opt out of the sharing of my information before it was reported to credit bureaus. 

Violations Under FCBA I requested an itemized bill/statement to validate the debt XXXX claims I owe. XXXX failed to provide this documentation. 
Continuing to report a debt to credit bureaus without furnishing proper validation or billing records upon request violates my rights under the Fair Credit Billing Act ( FCBA ) and compounds the FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against WELLS FARGO BANK NA, a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. WELLS FARGO BANK NA 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 2025-09-18 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: NJ

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. 

Please delete the following accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal , has violated my rights.

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business days.

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 2025-09-18 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:
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 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 2025-09-18 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: AL

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this XXXX-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX  and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} 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 2025-09-18 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: MN

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following account : XXXX CARD XXXX Balance : {$2100.00}

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 2025-09-18 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: WI

Complaint narrative:
These are not my accounts and they must be erased within 15 days as USC 1681g stipulates.

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 2025-09-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation