vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that is under FTC review due to potential violations of federal law. The creditor has failed to provide a validation of debt in response to my lawful request. Furthermore, there are inaccuracies being reported across multiple credit bureaus, which must be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have requested written validation of this debt from the creditor, yet I have received no response within the time required by law. Additionally, there are inconsistencies in the way this account is reported among different bureaussome show contradictory balances, open/close dates, and payment histories. Under the FCRA, any inaccurate, incomplete, or unverifiable information must be promptly removed from a consumers credit report. Since the creditor has not provided the required validation, this entry can not be verified and therefore must be deleted. LEGAL REFERENCES & VIOLATIONS FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Requires that credit reporting agencies investigate disputed information. If it can not be verified, it must be removed. FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] Stipulates that when an item is found to be inaccurate, incomplete, or unverified, the agency must delete or correct that information. FCRA 623 ( a ) ( 1 ) & 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ] Obligates furnishers to accurately report and update information. Continuing to report an account without validating the debt violates this requirement. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Mandates that credit reporting agencies maintain maximum possible accuracy. Reporting conflicting or unverified data undermines this obligation. FDCPA 807 & 809 [ 15 U.S.C. 1692e & 1692g ] ( if the furnisher is acting as a debt collector ) Debt collectors must provide a validation notice within five days of contact and must cease collection if the debts validity is challenged and not verified. ACTIONS REQUESTED Delete/Remove the disputed account from my credit report immediately, as it remains unverified. Provide written confirmation of the removal or correction of the disputed information. CONCLUSION Please note that continued reporting of an unverified and inaccurate account is a violation of federal law. If Equifax fails to address this matter promptly, I may proceed with formal complaints to the FTC, and other relevant authorities. Thank you for your immediate attention to this dispute. If you require any additional documentation, you may contact me at the address or phone number below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Dear Radius Global Solutions LLC, I am sending this letter in response to a collection notice I received regarding the alleged debt associated with account number XXXX. I respectfully request that you provide proper validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please supply the following information : The name and address of the original creditor. 

The amount of the debt, including a breakdown of fees, interest, and other charges. 

A copy of any agreement that legally obligates me to pay the alleged debt. 

Proof that you have the legal authority to collect on this debt. 

A copy of any judgment, if applicable. 

Until I receive this information, I request that all collection activities regarding this account cease, including reporting this account to credit bureaus. 

Please consider this letter as my formal dispute of this debt. If you can not provide the requested information, please remove this account from your records and notify any credit reporting agencies to delete the associated entry. 

I request that all communication regarding this matter be conducted in writing. Please send the validation documents to the address listed above.

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 2025-04-02 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-02 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: Kikoff Inc.
State: FL

Complaint narrative:
Kickoff is reporting a closed account for me and its not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
The bureaus keep reporting incorrect information on my credit report without any verification of debt

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 2025-04-02 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I submitted a payment to a XXXX XXXX but when I went to get food using my debit card I realized my account was less than intended ( not overdraft, not empty, just less ). I immediately contacted customer service, they said that the bank could've double charged me and they could offer a free bet in that amount. However, I didnt want to gamble with that money, so I made a report to my bank. 

My bank had said they would look into it since it was {$500.00}. They then gave me a temporary credit. However, after some time, the bank asked me to provide proof. The bank did say if you can not provide the info, we will continue to investigate like normal. The issue is, I was told by customer service of the XXXX it could be a system error and I had no proof. I then get a letter saying the bank would be taking my credited money back and If i submitted what was requested they would relook into the issue. That is not investigating it like normal, that is victim blaming. I worked hard for that money and trusted this bank to take care of it!

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 2025-04-02 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 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 2025-04-02 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: MD

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. 

Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX - Date Opened XX/XX/2024 Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/2024 Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/2024 UNAUTHORIZED INQUIRIES : CREDIT REPORTING XXXX XXXX XXXXXX/XX//2024 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 2025-04-02 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: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I am writing to formally dispute a charge or action related to my XXXX XXXX account ( XXXX ). I have reviewed my loan statement and identified a discrepancy that I would like to address. Specifically, inaccurate amount, would like for it to be removed.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-04-02 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Hello. I emailed and sent proof to jefferson capital systems llc regarding a agreement of payment plan and they continue to ignore my emails and ignore my proof of agreement screenshots I sent jefferson capital systems llc. They continue to add late fees/charges to my account even after sending proof of my agreement. I told them my past due amount is incorrect and I'm making my payments with the agreement I made and they continue to ignore me. Jefferson Capital Systems llc is so bad with communication with the customers concerns and they don't stand by their values and their pledge and what they offer on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  {$0.00} XXXX XXXX XXXXXX/XX/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 2025-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom It May Concern, I am filing this complaint against Experian, XXXX, and TransUnion for failing to properly investigate and remove negative, inaccurate, and outdated information from my credit report. 

As an XXXX  service member in the United States XXXX , I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ). However, despite submitting disputes to the credit bureaus, they have refused to remove harmful and inaccurate negative marks that are damaging my credit. 

Issues with My Credit Report : 1. Failure to Remove Inaccurate Negative Items The credit bureaus continue reporting erroneous late payments, collections, and other negative accounts that are either incorrect, unverifiable, or past the legal reporting time. 
2. Lack of Proper Investigation I submitted a formal dispute requesting a thorough review, but the bureaus have not provided proof of verification and continue reporting these negative marks.

3. Harm to My Financial Stability These inaccuracies prevent me from securing loans, housing, and other essential financial services.

Requested Resolution : I respectfully request the CFPBs immediate intervention to ensure that Experian, XXXX, and TransUnion : Conduct a thorough review of the disputed negative items Immediately delete all negative accounts, late payments, and collections that are inaccurate, unverifiable, or outdated Provide written confirmation of the deletions and an updated credit report I have attached copies of my dispute letters, credit reports, and supporting documents for review. 

Supporting Documents Included : Copies of credit reports with disputed negative items highlighted Copies of previous dispute letters sent to credit bureaus Proof of active-duty military status ( Military Orders ) I appreciate the CFPBs assistance in enforcing consumer protection laws and ensuring fair treatment. Please keep me informed of the progress of my complaint.

Sincerely, 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