vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RockLoans Holdings LLC
State: TX

Complaint narrative:
Someone applied for loans in my name without my knowledge and withdrew the funds from my bank account before it was caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : NATIONAL CREDIT ADJUST - XXXX - Under 15 USC XXXXg. Validation of debt. - Please delete immediately. 
NATIONAL CREDIT ADJUST - XXXX - Under 15 USC XX/XX/XXXXg. Validation of debt. - Please delete immediately. 
I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHINXX/XX/XXXXDAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
I previously submitted a dispute regarding numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX I am submitting this follow-up complaint pursuant to the Fair Credit Reporting Act ( FCRA ) , 15 U.S.C. XXXX et seq., 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.

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 2025-11-21 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: AR

Complaint narrative:
This is my final follow-up dispute regarding the inaccurate accounts you continue to report. 

Despite multiple disputes, you have failed to act in accordance with the law and continue to report this false and damaging information. It is important to highlight the inaccuracies, proving that your reporting is not only incompetent but also unfair, inconsistent, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
This is my final follow-up dispute regarding the inaccurate accounts you continue to report. 

Despite multiple disputes, you have failed to act in accordance with the law and continue to report this false and damaging information. It is important to highlight the inaccuracies, proving that your reporting is not only incompetent but also unfair, inconsistent, and harmful.

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 2025-11-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Hello, My account with Equifax is reporting incorrect amount due. The correct amount is XXXX $ ACCOUNT NAME : XXXX XXXX XXXX Account number:XXXX Amount : {$1600.00} Account name : XXXX XXXX Bank does not belong to me but is reporting to my credit. Account number : XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am filing a formal complaint regarding discrepancies found on my credit reports with Experian, Equifax, and TransUnion concerning the XXXX XXXX account, XXXX. Upon reviewing my credit files, I discovered that this account is inaccurately reported as a late closed account on both my Experian and TransUnion reports with late payment entries for XX/XX/XXXX, despite the payment status being marked as XXXX. The report lists late dates as XX/XX/XXXX - XXXX, which contradicts my actual payment history. I have made timely payments on this account, with no late payment instances. Additionally, on my Equifax report, this account is listed as XXXX XXXX, with erroneous late dates ( XX/XX/XXXX - XXXX ), even though the account is in good standing. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), which mandates reasonable procedures to ensure accuracy, and FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting from furnishers. I have requested corrections from all three credit bureaus, citing FCRA 623 ( b ), which mandates that furnishers, like XXXX XXXX, investigate and correct errors upon notification. These discrepancies have led to a misrepresentation of my payment history and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am filing a formal complaint regarding discrepancies found on my credit reports with Experian, Equifax, and TransUnion concerning the XXXX XXXX account, XXXX. Upon reviewing my credit files, I discovered that this account is inaccurately reported as a late closed account on both my Experian and TransUnion reports with late payment entries for XX/XX/XXXX, despite the payment status being marked as XXXX. The report lists late dates as XX/XX/XXXX - XXXX, which contradicts my actual payment history. I have made timely payments on this account, with no late payment instances. Additionally, on my Equifax report, this account is listed as XXXX XXXX, with erroneous late dates ( XX/XX/XXXX - XXXX ), even though the account is in good standing. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 607 ( b ), which mandates reasonable procedures to ensure accuracy, and FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting from furnishers. I have requested corrections from all three credit bureaus, citing FCRA 623 ( b ), which mandates that furnishers, like XXXX XXXX, investigate and correct errors upon notification. These discrepancies have led to a misrepresentation of my payment history and creditworthiness.

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 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We were unable to file an FTC Identity Theft Report due to the government shutdown. In place of that, please proceed by submitting disputes with all inaccurate information ( wrong names, wrong addresses, wrong accounts ) in accordance with the Fair Credit Reporting Act ( FCRA ). It is essential that this is completed in a timely manner, as the law requires credit reporting agencies and furnishers to investigate disputes promptly. I will provide further guidance and examples to ensure everything is done correctly. Relevant FCRA Laws to Comply With 15 U.S.C. XXXXi Procedure in Case of Disputed Accuracy Credit reporting agencies must investigate disputed information within XX/XX/XXXX days of receiving notice. 15 U.S.C. XXXX Responsibilities of Furnishers of Information Companies that provide information to credit bureaus must ensure accuracy and must investigate disputes forwarded to them. 15 U.S.C. XXXX Blocking Information Resulting From Identity Theft Consumers have the right to request that fraudulent information resulting from identity theft be blocked from their credit report. 15 U.S.C. XXXXj Free Disclosures in Case of Identity Theft Victims of identity theft are entitled to a free copy of their credit report and related documents. 15 U.S.C. XXXXc Requirements Relating to Information Contained in Consumer Reports Outlines limits on what information can appear in credit reports, including restrictions on outdated or unverifiable data.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
I attempted to open an account with USAA Bank and received a message saying that the bank is exercising its right not to do business with me or a co-applicant. USAA did not provide any explanation or adverse action notice. 

When I tried to check my consumer report with XXXX XXXX XXXX to understand why I was denied, XX/XX/XXXX website blocked my access completely and would not allow me to request my report or dispute anything. I tried multiple devices, networks, and browsers but the site still blocks me. 

Because USAA is using information that I am legally entitled to access, and XX/XX/XXXXis preventing me from obtaining my consumer report, I can not verify or dispute whatever information may have caused the denial. 

I am requesting that : XXXX. USAA provide a clear reason for the denial and any consumer reports they used. 
XXXX. XXXX XXXX XXXX remove the website block and allow me to access my consumer report. 
XXXX. I be given the opportunity to dispute any inaccurate or fraudulent information on my record. 

I am unable to resolve this with either company because XXXX denied me without explanation and the other is blocking me from accessing my own consumer data.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I am filing this complaint because Radius Global Solutions has failed to respond to my identity theft dispute and continues to report and attempt to collect a fraudulent account that does not belong to me. 

OverXX/XX/XXXX days ago, I sent Radius Global Solutions a formal written dispute regarding an alleged debt that was opened in my name without my authorization. Along with my dispute, I provided my FTC Identity Theft Report, proof of identity, and all required supporting documentation confirming that I am a victim of identity theft. I requested full validation of the alleged debt and asked for the immediate removal of this fraudulent account from all reporting and collection activity. 

To date, Radius Global Solutions has not provided any response, validation, documentation, or investigation results concerning this account. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Radius is required to investigate consumer disputes and provide validation within the legally mandated timeframe. Allowing more than XX/XX/XXXX days to pass with no response is a clear violation of my consumer rights. 

This account is not mine, I did not authorize it, and I have supplied all required identity-theft documentation. Because Radius Global Solutions failed to investigate or validate the debt within the required timeframe, I am requesting that the CFPB intervene to ensure this fraudulent account is deleted and all collection activity is permanently stopped. 

Their failure to act has caused significant harm to my credit, financial stability, and peace of mind.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not open these accounts. This is fraud. Please remove account 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not open these accounts. This is fraud. Please remove account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX Bank is inaccurately reporting a fraudulent account to XX/XX/XXXX under my name. 
The XX/XX/XXXX report shows : Bank : XXXX XXXX Bank Account ending : XXXX Charge-off Amount : {$260.00} Reason : NON-SUFFICIENT FUNDS ( NSF ) Closure Date : XX/XX/year> Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( not mine ) I did not open or authorize this account. The address and ID used do not belong to me. This is a case of identity theft, and the information is false. 
Despite this, the information remains on my XX/XX/XXXX report. This is harming my ability to open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-11-21 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: PA

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-11-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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