vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I called Experian, Equifax, and Transunion to order a physical copy of my free credit report. I never received it. On XXXXXXXX XXXX, I called again each company and explained due to the length of each report, I needed a physical copy of my credit report. Once again each stated it will be sent again. I still have not received a physical copy of my credit report as required by 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 2025-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I called Experian, Equifax, and Transunion to order a physical copy of my free credit report. I never received it. On XXXXXXXX XXXX, I called again each company and explained due to the length of each report, I needed a physical copy of my credit report. Once again each stated it will be sent again. I still have not received a physical copy of my credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
These requests are unfamiliar to me and seem unauthorized and potentially fraudulent. I ask you to investigate and rectify the matter swiftly. Supporting documents are enclosed.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice received about an alleged debt you claim I owe. I do not recognize this debt and request that you provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. The name of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original contract or agreement with my signature, if applicable.

4. Proof that your company is licensed to collect debt in my state.

5. Any documentation showing that you have the legal authority to collect this debt. 

Until you provide proper validation of this debt, I request that you cease all collection activity, including reporting this debt to credit bureaus, or attempting to collect through calls, mail, or legal action. 

This is not a refusal to pay, but a request for validation under my rights. If you can not validate the debt, you must stop all collection efforts and remove it from my credit report if it has been reported. 

Please respond in writing. 

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 2025-07-18 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: IA

Complaint narrative:
I recently received a copy of my report and noticed multiple accounts that are damaging to me moving forward because they do not belong to me. I am taking all the necessary steps to remove these accounts.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Around XX/XX/XXXX all of my student loans were PAID in FULL and they showed on my Reports as PAID in FULL. I took screenshots of them showing PAID in FULL and removed from my reports. So the act of " Reinsertion '' occurred on XX/XX/XXXX and received a portal link from XXXX. I was moving at that time, and put them in a forbearance so I could focus on the task at hand at that time. During the many transitions from XXXX to current : I was also apart of XXXX  XXXX XXXX ( My school, XXXX XXXX XXXX  ) was on the predatory loan list and I opted into the Loan Forgiveness/Removal claim before the due date and documented proof, and I can log into my student aid portal and see it there also. This loan has been on my Credit Report for long enough in an illegal status and I demand it to be removed without me having to take further action.

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 2025-07-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed.

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 2025-07-18 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account number ending XXXX has violate my rights.15 USC 1681 section 604 A section 2 states a consumer agency reporting can not furnish an account without my written instructions ;. Also under USC 1681 section 602 states I have rights to privacy. Another law state under 15 USC 1666B a Creditor may not treat a payment on a credit account under an open consumer credit plan as a late for any purpose.

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 2025-07-18 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account number ending XXXX has violate my rights.15 USC 1681 section 604 A section 2 states a consumer agency reporting can not furnish an account without my written instructions ;. Also under USC 1681 section 602 states I have rights to privacy. Another law state under 15 USC 1666B a Creditor may not treat a payment on a credit account under an open consumer credit plan as a late for any purpose.

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 2025-07-18 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account number ending XXXX has violate my rights.15 USC 1681 section 604 A section 2 states a consumer agency reporting can not furnish an account without my written instructions ;. Also under USC 1681 section 602 states I have rights to privacy. Another law state under 15 USC 1666B a Creditor may not treat a payment on a credit account under an open consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year>XXXX  Balance : {$15000.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are 6 late payments being reported. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I contacted the Experian credit bureau on XX/XX/XXXX to find out why Ive been denied credit for a very important upcoming home improvement project. The agent told me that I had been listed as deceased. She further investigated and remarked that this was due to a data entry error by one of Experian employees. On XX/XX/XXXX the credit bureau reported that they had confirmed my death. If a death certificate was indeed filed that contained my personal information, someone is intentionally causing me harm and I intend to file a legal request for disclosure of the source of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my credit report that I believe are either unauthorized, outdated, or inaccurate. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXb, I have the right to dispute and have inaccurate or unauthorized inquiries removed from my credit file. 
The inquiries I am disputing are as follows : - XXXX XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXXXXXX ( Finance ) - XX/XX/XXXX XXXX XXXX  ( Bank ) - XX/XX/XXXX - XXXX XXXX  ( Auto ) - XX/XX/XXXX - XXXXXXXX ( Finance ) - XX/XX/XXXX - XXXX ( Bank ) - XX/XX/XXXX - XXXX XXXXXXXX XXXX Bank XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my credit report that I believe are either unauthorized, outdated, or inaccurate. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXb, I have the right to dispute and have inaccurate or unauthorized inquiries removed from my credit file. 
The inquiries I am disputing are as follows : - XXXX XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXX ( Finance ) - XX/XX/XXXX - XXXX XXXXXXXX ( Finance ) - XX/XX/XXXX XXXX XXXX  ( Bank ) - XX/XX/XXXX - XXXX XXXX  ( Auto ) - XX/XX/XXXX - XXXXXXXX ( Finance ) - XX/XX/XXXX - XXXX ( Bank ) - XX/XX/XXXX - XXXX XXXXXXXX XXXX Bank XXXX XXXX XX/XX/XXXXXXXX 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 2025-07-18 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious XXXX XXXX XXXX XXXX. Dealing with these inaccurate entries has been XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against Foursight Capital LLC for failing to validate a charge-off debt that is reported on my credit report. 

Here are the details of the account in question : Account Number : [ Insert Account Number ] Creditor Name : Foursight Capital LLC Reported Balance : {$17000.00} Past Due Amount : {$20000.00} Status : Charge-Off Date Opened : XX/XX/year>2022 I have requested debt validation from Foursight Capital LLC XXXX but they have not provided any supporting documentation to prove the validity of this debt. I am requesting that Foursight Capital LLC provide the following documents : 1. A copy of the original signed contract or agreement for the auto loan.

2. A statement showing account history, including payments made and any balances due.

3. Proof that Foursight Capital LLC owns the debt or has been assigned the debt, if they are not the original creditor.

4. A detailed breakdown of any charges, fees, or interest added to the debt since its origination.

5. Clear documentation that supports the charge-off status and the exact date it was written off.

Additionally, I am requesting that Foursight Capital LLC provide a clear explanation of their debt verification process, including the following : How they verify the accuracy of debts before reporting them to credit bureaus.

What procedures are in place to ensure that they comply with FCRA guidelines for validating debts and reporting accurate information.

Furthermore, as this debt is reported as a charge-off, I am requesting confirmation that Foursight Capital LLC has issued a 1099-C ( Cancellation of Debt ) to the IRS for this debt . If a 1099-C was issued, I ask that they provide documentation showing the correct reporting of this debt and confirm whether the charge-off is accurate based on the cancellation of debt process.

Since Foursight Capital LLC has failed to validate the debt, and considering the discrepancy in the reported balance, I am requesting the removal of this charge-off from my credit report and that any inaccuracies or violations of consumer rights be addressed.

Thank you for your attention to this matter. I look forward to your timely investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/year> at XXXX a fraudulent purchase of the amount of {$150.00} was made with my apple credit card. The purchase was made in a different state with an unfamiliar vendor. The vendor was named, " Park to XXXX XXXX '' in XXXX, Illinois. The card was reported to Goldman Sachs as lost and a replacement requested. An additional purchase of {$8.00} at an unfamiliar vendor was attempted on XX/XX/year> by the thief ; the purchase did not go through as I turned off the card. The vendor was named, " XXXX XXXX '' in XXXX, Illinois. 

I filed a dispute for this claim stating that it was charged on a stolen card on XX/XX/year>. I received a temporary balance adjustment while the investigation took place. 

On XX/XX/year> I received an email from apple support stating that my claim was denied and the funds withdrawn from my credit due to their investigation deeming the purchase authorized by me. 

The same date of XX/XX/year>, I disputed the charge once again. I presented the fact that two out of stated charges were done on a card reported lost. I was told by representatives that another investigation would occur, but without additional documentation or new evidence that it was possible for the same conclusion to be reached by their investigators.

Company response to consumer: Closed with monetary relief