vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
Greetings, When I was in the high school, my parents froze my credit history at all three companies. Since I was a minor, they did so with my consent. 

Now that I have turned XXXX, I want to unfreeze my credit history. None of the three companies seem to help me. When I call them, they either say i ) mail the request letter with documentation. 
ii ) I do not have a credit history to unfreeze. 

However, when I try to open a credit card, the company tell me that my credit history is frozen. 

I have emailed Transunion multiple times ( see attached evidence ) and sent hard copy letters to all three companies, but seems no one is able to help. The customer service representative ( who takes XXXX to XXXX minutes ) to reach, has no idea how to help me as they never got training on how to help me. In fact, one of the representatives from Transunion himself told me so. 

Can you please help unfreeze my credit history at all three companies? 

Please call, email, or text me if I can provide more information. 

PS : In 2025, should customer service not be a the top most priority for the companies? Seems all three credit bureaus are neither safeguarding our information nor providing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-27 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: CA

Complaint narrative:
I am filing this complaint against Radius Global Solutions regarding an alleged debt they claim I owe. I have sent them a formal debt validation request dated [ Insert Date ] under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : Name of original creditor Complete itemization of the debt Copy of the original contract Legal authority to collect in my state Chain of assignment They have failed to provide any of the required documentation and continue to report this unverifiable debt to credit bureaus. This is a clear violation of the FDCPA and FCRA. 

I request the CFPB take action and direct the company to provide full documentation or cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing.

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 2025-07-27 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 asked for the chain of title debt validation and have not got one yet or answer to request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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 asked for the chain of title debt validation and have not got one yet or answer to request

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 2025-07-27 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-27 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: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate information that appears on my credit report maintained by XXXX XXXX XXXX as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a

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 2025-07-27 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: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate information that appears on my credit report maintained by XXXX, Experian, TRANSUNION as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
i am seeing several accounts and inquiries on my credit report that do not belong to me. i have previously submitted disputes to the credit bureaus, but the information remains. i believe this is either a case of identity theft or a mixed file. Additionally, there are multiple hard inquiries on my report that i did not authorize. this has negatively impacted my credit score. i am requesting a full investigation and removal of all inaccurate or unauthorized entries.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Synovus Bank
State: FL

Complaint narrative:
i am seeing several accounts and inquiries on my credit report that do not belong to me. i have previously submitted disputes to the credit bureaus, but the information remains. i believe this is either a case of identity theft or a mixed file. Additionally, there are multiple hard inquiries on my report that i did not authorize. this has negatively impacted my credit score. i am requesting a full investigation and removal of all inaccurate or unauthorized entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My loan got approved for borrow defense for XXXX years and I haven't received my relief yet I don't understand other people that's in the XXXX XXXX XXXXXXXX settlement have received relief and there loan have been forgiven over XXXX XXXX people so why can't I get what was rightly do to me it's mentally draining me and finically XXXX my life up I'm to the point of going XXXX  I just don't think it fair to me as a consumer and it's violated federal law and the settlement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my XXXX  & EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : XXXXXXXX XXXX  These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts. 

Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 

ALSO, provide me with the original signed contract with my wet signature. 

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. 

Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
I was checking my credit report in preparation to purchase a vehicle and notice damages to my credit report according to the 15 U.S.C 1681 law there should not be any damages to my credit report, its an defamation to my character.

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
They keep calling harassing me threatening to arrest me and calling my family leaving messages pretending to be from law enforcement.They started calling after I filed a complaint with CFPB about their reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Creditor/Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Disputed Payment Date : XXXX As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) and 1681g, I previously requested a detailed explanation of your investigation process and documentation verifying the accuracy of the reported late payments. To date, I have not received adequate evidence or a satisfactory resolution. 

I now formally demand the permanent removal of these inaccurate late payment entries from my credit report. My own payment records indicate all obligations on this account were paid on time. If you or the data furnisher are unable to provide the following within 15 days, you are legally obligated to delete the disputed information : A Full Description of the Investigation Process As required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a written explanation of the methods, data sources, and steps taken to verify the alleged late payment. Please detail the precise verification process and the conclusion drawn from it.

Documented Evidence Supporting Late Payment Claims If you maintain the late payment is accurate, provide original documentation such as billing statements, payment ledgers, and date-stamped communications proving the delay. Failure to provide verifiable evidence within the time allowed by law will result in further action. 

Correction of Inaccurate Reporting If you can not verify the reported delinquencies with substantial documentation, the account must be updated to reflect its accurate status : Paid As Agreed, Never Late ( PAANL ), pursuant to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).

Statement Mailing Procedures Under the Truth in Lending Act, particularly 15 U.S.C. 1666 ( b ) and 1637 ( b ), you are required to issue periodic statements at least 21 days before the payment due date. Please provide written procedures showing your compliance with this requirement. 

Continued reporting of unverifiable and incorrect information constitutes a willful violation of the FCRA and may also infringe on my rights under the Consumer Financial Protection Act and the Truth in Lending Act. If these errors are not corrected immediately, I will pursue complaints with the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies available under federal law. 

Please respond with the requested information and confirmation of correction or removal of the disputed items within 30 days of receipt of this notice.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I am locked out of my Credit Karma Money account due to a XXXX authentication issue. I no longer have access to the phone number connected to my account, and I was attempting to reset my password when this occurred. 
After calling support, they informed me I must provide a valid government-issued photo ID. I have an expired ID, but I also have my Social Security card, birth certificate, proof of residency, bank cards, and other official documents that verify my identity. 
Despite this, they are refusing to verify my identity using backup documentation and have frozen my debit card and locked me out of my account. I have {$1600.00} in this account, and it is my only source of funds. 
I am currently homeless and experiencing life-threatening health issues. Im not able to pay for my medication either. I have no place to stay tonight and need to pick up my medication refill as I am out and I need these funds to secure shelter for myself, my child, and my service dog. 
This is a violation of my consumer financial rights and is putting my life at risk. I am requesting the CFPBs urgent intervention to get Credit Karma Money to verify my identity using the multiple official documents I have available and immediately release access to my account or allow use of my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XX/XX/year>, XXXX XXXX I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. 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 {$330.00} Credit Collection Service {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NCB Management Services Inc.
State: MI

Complaint narrative:
XX/XX/year>, XXXX XXXX I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. 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 explanation
Consumer complaint received 2025-07-27 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: KY

Complaint narrative:
This account is over 7 years old I would like for this to be removed immediately.

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 2025-07-27 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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