vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
This is for a home that I have not lived in over 20 years. somebody used my info. I have filed a police report XXXX XXXX with the XXXX XXXX police department in XXXX XXXX  CA.

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 — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 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: EQUIFAX, INC.
State: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year>2025 To whom it may concern Subject : Formal Dispute Inaccurate Late Payment Reporting XXXX Account To whom it may concern, I am writing to dispute an inaccurate late payment entry being reported on my credit file for the account listed under XXXX. 

According to my records and payment history, I have made all payments on time, and this account is currently in good standing. However, the credit report falsely reflects that a payment was missed, which is incorrect and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit reporting agencies must be accurate, complete, and verifiable. Reporting a late payment when none occurred is a direct violation of this standard and misrepresents my payment history and financial responsibility. 

I am requesting that your office conduct a full reinvestigation of the XXXX account tradeline and correct the information to show no missed or late payments. If the creditor can not provide documented proof of a missed payment, I request that the negative mark be removed immediately. 

Attached is supporting documentation, including screenshots, verifying that the account is current and paid. 

Please update this account as required by law and provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: LA

Complaint narrative:
Please review this complaint carefully it was submitted deliberately and is not an error. My credit report appears to contain mixed or merged information, including accounts, transactions, and other items that do not belong to me. This is a serious issue that has caused me ongoing stress, XXXX, and concern for the integrity of my financial records.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
SECURITY CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXXXX XXXXd - Disclosure of investigation consumer report ; you are in violation.

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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXXXXXX  under the account number ( Not Applicable ), a personal credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number ( Not Applicable ), a personal credit card account opened at XXXX on XX/XX/XXXX XXXX  under the account number ( Not Applicable ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal and intentional complaint. My credit report contains inaccurate information that clearly fails to meet the legal requirement of maximum possible accuracy. These reporting errors are causing serious and ongoing harm to my financial stability and personal well-being. 
This situation is placing an undue and unjust burden on me during an already difficult time.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally submitting this complaint concerning the inaccurate reporting of multiple late payments. These entries are factually incorrect the payments in question were made on time yet they continue to be reflected on my credit report. This false information is unjustly damaging my credit score and financial reputation.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
This is a formal complaint and request under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g, which grants me the right to obtain a free copy of my consumer report from each consumer reporting agency once every 12 months. 

I am contacting XXXX, XXXX, and XXXX to inform you that I have not received my one free annual consumer report as required by federal law. I have submitted my request, and enough time has passed without any response or delivery of my file.

Please consider this a formal demand for each of your companies to provide me with a complete and accurate copy of my consumer file immediately, including all information you maintain about me, the sources of that information, and any inquiries made.

Failure to provide my report in a timely manner is a violation of the FCRA, and I am prepared to escalate this matter further with the Consumer Financial Protection Bureau and, if necessary, pursue legal action. 

My identifying information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXX XXXX GA, 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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
This is a formal complaint and request under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g, which grants me the right to obtain a free copy of my consumer report from each consumer reporting agency once every 12 months. 

I am contacting XXXX, XXXX, and Innovis to inform you that I have not received my XXXX free annual consumer report as required by federal law. I have submitted my request, and enough time has passed without any response or delivery of my file. 

Please consider this a formal demand for each of your companies to provide me with a complete and accurate copy of my consumer file immediately, including all information you maintain about me, the sources of that information, and any inquiries made. 

Failure to provide my report in a timely manner is a violation of the FCRA, and I am prepared to escalate this matter further with the Consumer Financial Protection Bureau and, if necessary, pursue legal action. 

My identifying information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX  XXXX XXXX GA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Account XXXX  limited Partnership I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal

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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year>2025 To whom it may concern Subject : Formal Dispute Inaccurate Late Payment Reporting XXXX Account To whom it may concern, I am writing to dispute an inaccurate late payment entry being reported on my credit file for the account listed under XXXX. 

According to my records and payment history, I have made all payments on time, and this account is currently in good standing. However, the credit report falsely reflects that a payment was missed, which is incorrect and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), all information provided to credit reporting agencies must be accurate, complete, and verifiable. Reporting a late payment when none occurred is a direct violation of this standard and misrepresents my payment history and financial responsibility. 

I am requesting that your office conduct a full reinvestigation of the XXXX account tradeline and correct the information to show no missed or late payments. If the creditor can not provide documented proof of a missed payment, I request that the negative mark be removed immediately. 

Attached is supporting documentation, including screenshots, verifying that the account is current and paid. 

Please update this account as required by law and provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I requested the original signature of the loan and verification of the debt and I have never conducted business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
In XX/XX/2025, I requested a cash advance payday loan. I was originally approved for {$50.00} but as I repaid the loan, it got boosted up {$10.00} more, totaling it {$60.00}. With late fees and interest, my overall repay amount totaled up to {$72.00} for the repayment date to be set on XX/XX/2025. On XX/XX/2025, Money Lion withdrew the amount of {$72.00} from my linked bank account without prior clear notification or having my formal consent for the timing of this withdrawal. At the time, I received an email stating that the XXXX cash repayment went through, and it would post to my account within XXXX business days. I saw that email notification around XXXX XXXX XXXX. Around XXXX XXXX XXXX I see that the repayment was pending on my account, which has caused me to overdraft. But since it over drafted, it will bounce from my account and still remain as unpaid. This unexpected withdrawal has caused me a setback financially, including causing my bank account to overdraft and I'm not able to tend to essential bills that I needed to take care of. I contacted Money Lion immediately through email, explaining that I did not receive clear communication about this withdrawal being made on XX/XX/2025, and I requested a full refund for the amount of {$72.00} due to financial hardship. Money Lion responded by confirming that the withdrawal was authorized based on the original loan agreement, refused to refund the full amount that was deducted from my account, and reassured me that I agreed to the original repayment terms and policies. I have tried to resolve this with Money Lion prior to making a CFPB complaint but I have not received a satisfactory solution, which is why I am filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief