vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent XXXX letters to this company please see below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : Intent to file a Lawsuit XXXX XXXX Account Number : NONE To Whom it May Concern : I reviewed my credit report and I see a collection from XXXXXXXX XXXX  I have no business with this company and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware that there is a debt from XXXX XXXX 
Furthermore, I am allowed under the FCRA law to protect my privacy from third parties. I do not recall giving permission to any creditor for them to release my personal information to a third party. My personal information can only be revealed with my authorization ; therefore, my request is twofold and as follows : Validation of Debt and HIPPA Authorization 1. I am requesting that the business associate provide debt validation for account in question above. Please provide that validation in the form of agreement, original bill.

2. Please provide a copy of my signature with the original creditor to release my personal information to you.

3. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any.

4. Cease any credit bureau reporting until the debt has been validated by me.

5.Please provide me with a verified certificate of authority, and proof that your company is license to collect debt in my state. Kindly provide me with a license number and registered agent and service.

6. Finally, please provide an affidavit signed under penalty of perjury that your organization has violated any portion of the FCRA and FDCPA.

Please send this information to my address listed above and accept this letter, sent certified mail, as my normal debt validation request, of which I am allowed under the FDCPA.

Please note that by withholding the information you take full responsibility of my complaint will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the creditor of service and connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, in fact therefore exist.

I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been consistently making payment of >= {$250.00} biweekly towards my student loans in attempt to pay off as quickly as possible ( total monthly out of pocket >= {$500.00} ). The combination of my payments far exceed the monthly amount requested by XXXX each month ( {$130.00} ). XXXX gives the option to pay by specify loans so I have been using that option to target the highest interest loans first ( I have been doing so for years and no issues ). Doing so, Ive been able to successfully pay off at least 4 of my student loans and well on my way to paying off another with the goal of paying off all my student loans by end of year. Unbeknownst to me, I check my credit report today to see my score drop by XXXX points. I was originally at XXXX and now at XXXX! Keep in mind I am in the middle of attempting to purchase my first property. Now this will affect my interest rate for mortgage loan and what makes it worse, they refuse to remove the delinquency off my credit report. Their only solution is to put my account in forbearance to make it current but wont do anything for my credit report. How is that ethical??

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 2025-05-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
the inaccurate and unlawful reporting of late payment information on my consumer report. Upon reviewing my consumer report, I noticed that Barclays Bank Delaware has reported transactions and late payments that, by law, should be excluded under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( 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 2025-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Account XXXX at XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX, as soon as possible from my report or I will be taking legal 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 2025-05-26 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: PNC Bank N.A.
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
on XX/XX/25 i went to XXXX XXXX in XXXX florida to purchase a car. i already advised that i was preapproved for a loan already but the salesman still ran my credit 4 times without my knowledge. He never said he was going to run it for any other loan companies other than the one i was already preapproved for & requested since we got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recent looked at my credit profile and noticed there were a nunber of fraudulent accouts and inquiries oin my credit that i did ot give my consent for. those inquiries consist of the following XXXX. XXXX XXXX ( XXXX ) XXXX XXXX. XXXXXXXX XXXX ( equifax ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Upon reviewing my report, I discovered that Experian is reporting late payments related to XXXX XXXX that should, under the law, no longer appear on my file. These entries violate the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ), which defines and limits the scope of information that can be lawfully included in a consumer 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 2025-05-26 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:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-05-26 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2025-05-26 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: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Balance {$29000.00} XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXXXXXX

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 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I am a Texas resident who received an installment loan through XXXX XXXX XXXX XXXX XXXX XXXX ). The contract lists XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Utah ) as the lender, but XXXX handled every step of the process including application, approval, disbursement, collections, and customer service. 

The loan amount was {$1500.00}, with a finance charge of {$3100.00}, for a total of {$4600.00} repayable over 18 months. The APR is 198.99 %, which exceeds Texas usury limits and would be illegal if XXXX were the true lender. 

Based on the true lender doctrine, I believe this is a rent-a-bank scheme designed to evade Texas law XXXX XXXX performs all key loan functions and bears the operational risk, while XXXX XXXX XXXX is used to bypass state interest rate caps. This structure undermines the protections in the Texas Finance Code 302.001 and Texas Constitution Article XVI 11.

In addition, I submitted a formal revocation of recurring debit card authorization on XX/XX/year>, and any further payment attempts would violate the Electronic Funds Transfer Act ( Reg E ) and possibly the Texas Deceptive Trade Practices Act ( DTPA ).

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 2025-05-26 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:
This CFPB complaint is filed in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand the immediate blocking of several accounts that have been fraudulently reported to Equifax. These accounts were not opened by me and are tied to identity theft. As required by law, these items must be blocked from my consumer credit file within four business days of receiving this dispute. 

The following accounts are falsely reporting and must be removed : A loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$28000.00} A credit card account with XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$490.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00} In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I also dispute the validity of these entries and require a full reinvestigation. I am requesting that Equifax provide the exact method of verification used for each account, along with any physical evidence or original records that were relied upon to determine their accuracy. If no such proof exists, these accounts qualify as prima facie fraudulent entries and must be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
The delinquent payment shown on my credit report ( XX/XX/XXXX/XX/XX/XXXX) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended on XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
XXXX XXXX was supposed to terminate my services on XX/XX/year> and they didnt terminate my services until XXXX XXXX. 

I have the email they sent me showing my account was scheduled to be terminated on XX/XX/XXXX. They sold my account to a collection agency and they are trying to collect {$69.00} for XX/XX/year>. 

The collection agency Radius Global Solutions falsely reported this balance to XXXX. I contacted them and told them I didnt owe anything. They contacted XXXX XXXX and sent me a letter stating I owe for XX/XX/year>. 

The email I have shows XXXX XXXX and the collection agency knowing reported false information to XXXX  leading to credit denial. 

I am seeking damages and want a fine to be imposed for violating 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 non-monetary relief