vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
I am compelled to formally dispute the inaccurate, unverified, and unsubstantiated information you have reported on my credit profile. Your continued reporting of these accounts and inquiries, without complete and factual evidence, directly violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ] regarding permissible purpose, 611 [ 15 U.S.C. 1681i ] regarding reinvestigation procedures, and Metro 2 data reporting standards as outlined in the XXXX Credit Reporting Resource Guide ( CRRG ). Your actions demonstrate willful non-compliance, negligent investigation, and failure to maintain maximum possible accuracy as required under FCRA 607 [ 15 U.S.C. 1681e ( b ) ].

You are reporting information that lacks verifiable proof of my authorization, consent, or any legally binding instrument bearing my wet or electronic signature. The inclusion of unverifiable accounts, inquiries, personal identifiers, and employment information constitutes an ongoing violation. You are obligated to validate each claim with original documentation. Absence of such evidence requires you to permanently DELETE these entries. 

The following items are in dispute : Personal Information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Employer : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiries : 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 The presence of these errors indicates gross negligence in your reporting responsibilities. I demand you DELETE all inaccurate information immediately and provide me with physical documentation detailing your actions and my updated credit report. Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, my State Attorney General, and pursue legal remedies for damages resulting from your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and I have discovered multiple accounts and inquiries on my credit report that I did not authorize or apply for. These accounts and inquiries are inaccurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you immediately block and remove these unauthorized accounts and inquiries from my credit report. Enclosed with this letter, you will find a list of the disputed items, along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ).

Please initiate an investigation into these unauthorized entries and take the necessary steps to delete them from my credit report. I would appreciate it if you could provide written confirmation once the corrections have been made.

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-06-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AR

Complaint narrative:
I receive federal XXXX benefits on my XXXX XXXX prepaid card issued by Comerica Bank. I reported unauthorized recurring transactions on my account and was told I needed to submit a written dispute by XX/XX/year>. 

However, XXXX XXXX ( or their dispute agent XXXX ) closed my dispute before that written dispute deadline. Less than 24 hours after I faxed via XXXX my documents supporting my claim. 

I am requesting that Comerica bank/ XXXX XXXX be required to : 1. Reopen my dispute and investigate fully with the benefit of my written submission.

2. Provide provisional credit as required under federal law.

3. Provide a written explanation of their investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
This account is past the statue of limitations in XXXX  and still continues to report on my credit report. This is a violation of the FCRA and I demand it 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This account is past the statue of limitations in XXXX and still continues to report on my credit report. This is a violation of the FCRA and I demand it 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 2025-06-20 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MN

Complaint narrative:
I recently obtained a copy of my credit report from your agency and have identified several inaccuracies, including accounts and information that I did not authorize or recognize. I truly work hard at paying everything on time and keeping a great standings with my credit health. These incorrect entries have had a detrimental impact on my credit health and personal well-being. 

Below are the details of the disputed items : [ XXXX XXXXXXXX XXXX XXXXXXXX ] This account appears to be unauthorized. I do not recall opening or authorizing this account. 
[ Diversified adjustment ] This account appears to be unauthorized. I do not recall opening or authorizing this account.

I request that these items be investigated and removed or corrected immediately as required by the Fair Credit Reporting Act ( FCRA ). I am enclosing copies of documents supporting my position, including a copy of my credit report with the disputed items highlighted.

Please complete this investigation within 30 days and provide me with a written statement of the results. Also, send me an updated copy of my credit report once the corrections are made.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN 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 2025-06-20 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: MN

Complaint narrative:
I recently obtained a copy of my credit report from your agency and have identified several inaccuracies, including accounts and information that I did not authorize or recognize. I truly work hard at paying everything on time and keeping a great standings with my credit health. These incorrect entries have had a detrimental impact on my credit health and personal well-being. 

Below are the details of the disputed items : [ XXXX XXXXXXXX XXXX XXXXXXXX ] This account appears to be unauthorized. I do not recall opening or authorizing this account. 
[ Diversified adjustment ] This account appears to be unauthorized. I do not recall opening or authorizing this account.

I request that these items be investigated and removed or corrected immediately as required by the Fair Credit Reporting Act ( FCRA ). I am enclosing copies of documents supporting my position, including a copy of my credit report with the disputed items highlighted.

Please complete this investigation within 30 days and provide me with a written statement of the results. Also, send me an updated copy of my credit report once the corrections are made.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-20 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: WI

Complaint narrative:
According to 15 usc 1681 | have the right to dispute inaccurate and unverifiable Information that's on my credit report. I have disputed multiple times with credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: WI

Complaint narrative:
According to 15 usc 1681 | have the right to dispute inaccurate and unverifiable Information that's on my credit report. I have disputed multiple times with credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-06-20 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: WI

Complaint narrative:
According to 15 usc 1681 | have the right to dispute inaccurate and unverifiable Information that's on my credit report. I have disputed multiple times with credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I am writing to dispute two fraudulent accounts that are currently reporting on my credit file. One is a closed auto loan from Credit Acceptance Co, which reflects a balance of {$5800.00}, a voluntary repossession, and delinquency dating back to XXXX. The other is an open secured credit card from XXXX XXXXXXXX XXXX XXXX opened in XX/XX/XXXX, with a current balance of {$150.00} and reported activity in XXXX. 

I did not open or authorize either of these accounts, and I believe my identity has been used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit file. Section 611 of the FCRA entitles me to request an investigation into any information I believe to be incorrect, and Section 605B provides for the blocking of information resulting from identity theft once proper documentation is provided.

I am in the process of filing an identity theft report with the Federal Trade Commission ( FTC ) to support my claim. I request that these accounts be fully investigated and permanently removed from my credit report as they are the result of fraudulent activity.

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 2025-06-20 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: 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.

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 2025-06-20 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$85.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$180.00} Open Date XX/XX/XXXX XXXX  Account Number XXXX Balance : {$230.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$13000.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$13000.00} Open Date XX/XX/XXXX XXXX  Account Number XXXX Balance : {$150.00} Open Date XXXX XXXX, XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Complaint Against Radius Global Solutions, LLC To Whom It May Concern, I am filing a formal complaint against Radius Global Solutions for their mishandling of a debt collection matter and failure to provide proof of debt, in violation of my consumer rights. 

Background : Radius Global Solutions sent me a debt collection notice claiming I owed a balance related to services from XXXX. The notice clearly stated that I had the right to dispute the debt by phone or in writing within 30 days no later than XX/XX/XXXX. Based on this, I exercised my right to dispute the debt twice by phone : once when I called them, and again when they called me. 

Complaint Details : Despite my timely disputes by phone, Radius failed to provide any proof of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Instead of fulfilling their obligation to validate the debt, they resent the exact same debt collection letter with no additional information or documentation as well as sent text messages with a link that didn't show any account information only a message to call them. The text also said that I had a reduced offer but they made no mention of that on the call today ( XX/XX/XXXX ). 

When I called on XX/XX/XXXX, both the customer service representative and their manager insisted that I had not properly disputed the debt because it wasnt done in writingcontradicting their own written statement in the original collection letter. 

The initial representative I spoke to never informed me that a written dispute was required, further compounding the confusion and violating proper collection practices. 

This behavior is deceptive and misleading. If the letter stated that I could dispute the debt by phone, they should not be allowed to disregard that method after the fact. Their refusal to validate the debt or respect my dispute is a clear violation of consumer protection laws.

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