vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On XX/XX/year>, Radius Global Solutions mailed me a letter stating that a XXXX XXXX account they were collecting with a {$2300.00} limit and marked 120+ days late was returned to the creditor and closed with them. They confirmed that I should contact XXXX XXXX for any further questions. 

Despite this, that same XXXX XXXX account is still being reported on all three credit bureaus ( XXXX XXXX XXXX XXXX  ). This is either due to Radius continuing to furnish inaccurate data, or failing to notify the credit bureaus to stop reporting it under their name. 

Radius has misled me in writing and contributed to continued credit damage. If they truly closed the account, it should have been fully deleted across all bureaus. This is a violation of the FCRA ( Section 623 ) and FDCPA, which prohibit false reporting and failure to update disputed or returned accounts. 

This is not only unfair and deceptive, but has cost me financially by lowering my score and preventing access to housing.

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 2025-08-07 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:
I contacted XXXX XXXX to report that the auto loan I had with them is appearing twice on my credit report. The representative informed me that there was nothing they could do and advised me to contact the credit bureau directly. I filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but despite the information being incorrect, the duplicate account continues to be verified and has not been removed. Additionally, Experian is reporting a charge-off on my account for XXXX, XXXX, and XXXX of XXXX, followed by a repossession for XXXX, XXXX, and XXXX of the same year. Then returned back to a charge off for XXXX XXXX XXXX I was never notified of a repossession, and there was no formal process or communication indicating that one occurred. It is highly concerning that the report reflects XXXX months of repossession listings, which is misleading and incorrect. 

According to my credit report, the last payment on this account was in XX/XX/XXXX, which is inaccurate. I no longer had the vehicle after XX/XX/XXXX, and my final payment was actually made in XX/XX/XXXX. Im working hard to improve my credit, but these reporting errors are making it very difficult.

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 2025-08-07 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: TX

Complaint narrative:
I contacted XXXX XXXX to report that the auto loan I had with them is appearing twice on my credit report. The representative informed me that there was nothing they could do and advised me to contact the credit bureau directly. I filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but despite the information being incorrect, the duplicate account continues to be verified and has not been removed. Additionally, Experian is reporting a charge-off on my account for XXXX, XXXX, and XXXX of XXXX, followed by a repossession for XXXX, XXXX, and XXXX of the same year. Then returned back to a charge off for XXXX XXXX XXXX I was never notified of a repossession, and there was no formal process or communication indicating that one occurred. It is highly concerning that the report reflects XXXX months of repossession listings, which is misleading and incorrect. 

According to my credit report, the last payment on this account was in XX/XX/XXXX, which is inaccurate. I no longer had the vehicle after XX/XX/XXXX, and my final payment was actually made in XX/XX/XXXX. Im working hard to improve my credit, but these reporting errors are making it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am getting tired of Experian not having an actual Human Customer Support to help with updating information on my Credit Report. 

Not only am I unable to access my account to update my phone number and address, but Experian continously has me going around in circles with bots, and refuses to send me to a Representative ; what is the point of their Customer Support Number, if no one answers to assist!!! 

I NEED TO UPDATE MY INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
My account with Aidvantage reflects either delinquencies or incomplete information that fails to account for my enrollment in the XXXX XXXX XXXX XXXX ( XXXX ) program and/or active deferment or forbearance status. This has resulted in unjust harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AZ

Complaint narrative:
b'CFPB Complaint Against Experian\n\nReference Complaint #XXXX XXXXXXXX XXXX XXXX XXXX  am filing this complaint against Experian because they continue to report a derogatory tradeline that was already deleted by XXXX  following a formal investigation under Case #: XXXXThis issue was raised in my previous CFPB complaint XXXX XXXX XXXX and remains unresolved. XXXX removed the account on XXXX XXXX XXXX  afteXXXX XXXX XXXX XXXX failed to provide proper legal validation. That means Experian is now reporting inaccurate and unverifiable data, despite being notified of the deletion and provided with proofXXXXThis is a serious inconsistency between credit bureaus that directly violates the Fair Credit Reporting Act (FCRA)  specifically FCRA  611 (failure to reinvestigate) and FCRA  623 (reporting inaccurate information after notice).XXXXAdditionally, on XXXX XXXX XXXX  I sent a formal Notice of Intent to Sue to Midland Credit Management via certified mail (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The envelope was labeled Time-Sensitive Legal Notice  FDCPA/FCRA Violations. XXXX acknowledged receipt via email and stated they would respond by XXXX XXXX XXXX, but they failed to delete the account or provide proper validation.XXXXExperian has also failed to act, even after being notified of the XXXX deletion and the ongoing legal proceedings. By continuing to report this inaccurate tradeline, Experian is knowingly publishing false and harmful 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 2025-08-07 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:
I am submitting a follow up complaint serves as a formal dispute regarding the following items which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : 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 2025-08-07 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: UT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CL Holdings LLC
State: NJ

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for reporting and attempting to collect a debt that I have no knowledge of and for which I have received no validation or proof of ownership. 

This account appeared on my credit report without any prior notice, and I have never received a debt validation letter or any documentation from Jefferson Capital verifying this debt. I have not entered into any agreement or contract with Jefferson Capital Systems, and I do not recognize the account they are attempting to collect.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification and validation of any debt. Jefferson Capital has not provided any documentation to prove the debt is mine including the name of the original creditor, itemized balance, or any signed agreement. This lack of transparency and failure to comply with federal law is unacceptable. 

The continued reporting of this unverified debt is damaging my credit and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Personal information on my credit report should not be there, Phone numbers and Addresses.

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 2025-08-07 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there are inquiries that I don't recognize and all is currently being investigated as it did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and I demand you to address this soon, 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
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I got a debt collection on my crediit report out of the blue. I veleive it actually might be from my father who is in XXXX XXXX. I never signed up for a lease or gave him permission to get an apartment under my name. I have never lived at the apartment complaex they stated nor the city. I have only loive in XXXXXXXX XXXX XXXX XXXX XXXX  The debt is for an apartment in XXXX XXXXSome place called XXXX which I never even heard of. My father is in XXXX XXXX for cries he committee so I can only assumje maye this is a mistake where they merged our info. But I 100 % never lived at this complex nor would I need to. I lived rent free with my grandmother during the period they are trying to state I lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9- 614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit are required under UCC 9-611 and 9- 614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

The full account number isn't listed making the account difficult to identify ( Bank of America Auto )

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 2025-08-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I sent in a debt removal letter to Experian as well as Equifax and Trans Union and they have yet to get back to me after 30 days. I am requesting that every single third-party debt and any negative remarks on my account be removed due to the 30 days passing with no word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
My account with XXXX reflects either delinquencies or incomplete information that fails to account for my enrollment in the Public Service Loan Forgiveness ( PSLF ) program and/or active deferment or forbearance status. This has resulted in unjust harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
on XX/XX/scrub>XXXX i sent XXXX from webster bank to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the money still has not arrived. 
XXXX XXXX : XXXX trace numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am formally filing a complaint with APPLE CARD/GS BANK USA data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with non-monetary relief