vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Experian closed my last complaint stating that it was a " scam '' because they are refusing to do their due diligence by investigating inaccurate information on my credit report. Once again, I am filing a formal complaint regarding seven student loan accounts serviced by XXXX that are inaccurately reporting late payments for the period XX/XX/XXXX through XX/XX/XXXX. These accounts were either deferred or covered under the CARES Act during this time due to COVID-19. As such, the reported late payments are erroneous and unverifiable. By law, these accounts should be reported as Paid as Agreed, and all late marks must be removed from my credit reports. Additionally : The information furnished to the credit reporting agencies ( CRAs ) is inconsistent, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). My private financial and educational data was compromised without authorization, violating : Family Educational Rights and Privacy Act ( FERPA ) Higher Education Act ( HEA ) Privacy Act of 1974 Breach of Contract principles Under Section 3513 of the CARES Act, any suspended payments were to be treated as on-time for credit reporting purposes, and failure to comply constitutes a violation of federal law. I request that XXXX investigate these accounts immediately, update them to Paid as Agreed, and remove all inaccurate late payments. I understand that violations of my consumer rights may be addressed in small claims court ; however, at this time, I am seeking correction of the accounts associated with this account name and number ( XXXX XXXX XXXXXXXX XXXX ) are to be updated as you are reporting erroneous information. These accounts are to be updated to paid as agreed and the late marks reporting XXXX XXXX XX/XX/XXXX are to be removed from my credit report, the inaccurate 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 2025-11-12 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:
I am filing this complaint because [ XXXX  / XXXX  / TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : === CHARGE OFF === TU : 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 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 non-monetary relief
Consumer complaint received 2025-11-12 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: WY

Complaint narrative:
On XX/XX/year> I received a letter from Radius Global Solutions about a debt. On XX/XX/year> I received a call from " XXXX XXXX '' from Radius Global Solutions who would not tell me who the debt was owed to. I asked for a supervisor and spoke with " XXXX XXXX '' who refused to provide the legal counsel contact and kept telling me " two minutes more. '' " XXXX XXXX '' kept telling me her supervisor was " almost there. '' " XXXX XXXX '' was confronted with her continued to lie by saying " two more minutes '' and " one more minute '' for over ten ( 10 ) minutes without any supervisor answering or responding. 
I am asking for a copy of the original application, all signed receipts and documents on the account. 
XXXX XXXX who was the manager stated that she is the only person I can speak with and that no one else can help. XXXX would not let me speak and only defended the lies of her operators and would not let me speak to someone rational. It is against the law for debt collectors to lie to consumers yet XXXX encouraged it and kept other people on the line without permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I have been receiving repeated text messages from a debt collection company called Source Receivables Management ( SRM ) regarding a XXXX XXXX XXXX account belonging to someone named XXXX. 

I do not know this person and have never had any account or debt with XXXX I received my phone number earlier this year, and it appears that the previous owner of the number may have had this debt. 

Despite never having any connection to this account, I continue to receive texts offering settlement amounts and links to payment websites. The most recent messages came from the short code XXXX, referring to an alleged balance of {$980.00} and giving a contact number XXXX. 

This is causing distress and feels like harassment since I am not the debtor. I would like SRM to permanently remove my number from their contact list and stop all further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: MD

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I need to be clear, this complaint is not made in error. Multiple accounts on my credit report are not being reported with the maximum possible accuracy and contain unverified or incorrect information. These persistent inaccuracies have continued despite my efforts to correct them and are causing real, measurable harm to my creditworthiness and everyday life. This ongoing reporting failure is unacceptable and is creating serious financial hardship during an already difficult time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I went to deposit XXXX XXXX  into my account through an ATM. When I did the machine took the cash and then said it was unable to process the transaction and gave me my card back but not my money. It has been over a week and they are telling me I have to wait 45 days to receive an answer. I deposited it in an America First bank ATM in XXXX XXXX  but my account is with XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX for an alleged XXXX XXXX XXXX XXXX Credit loan ( Loan No. XXXX ). 

I mailed certified disputes to XXXX and all three credit bureaus, including a notarized affidavit and supporting documents. In my dispute, I requested verification of the debt under 15 U.S.C. 1692g ( b ), including : account-level documentation identifying my specific loan, a complete chain of title from XXXXXXXX XXXX to XXXX, the schedule of accounts referenced in their XX/XX/year> Bill of Sale , and an itemized balance and ownership breakdown. 

XXXX did not provide any of this information. Their validation consisted only of a generic Bill of Sale that does not list my name, account number, or loan ID, and they did not attach the referenced data file. As a result, XXXX has not proven lawful ownership or authority to furnish this account. 

Despite this failure, XXXX continues to furnish this account to the credit bureaus, and the bureaus are continuing to report it, which violates the FCRA and FDCPA, including 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ), and 1692g ( b ). The reporting is inaccurate, incomplete, and legally unverified. 

I am requesting that the CFPB require XXXX and the credit bureaus to delete or suppress this account unless and until XXXX produces lawful, account-level verification proving ownership and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX for an alleged FinWise Bank / RISE Credit loan ( Loan No. XXXX ). 

I mailed certified disputes to XXXX and all three credit bureaus, including a notarized affidavit and supporting documents. In my dispute, I requested verification of the debt under 15 U.S.C. 1692g ( b ), including : account-level documentation identifying my specific loan, a complete chain of title from XXXXXXXX XXXX to XXXX, the schedule of accounts referenced in their XX/XX/year> Bill of Sale , and an itemized balance and ownership breakdown. 

XXXX did not provide any of this information. Their validation consisted only of a generic Bill of Sale that does not list my name, account number, or loan ID, and they did not attach the referenced data file. As a result, XXXX has not proven lawful ownership or authority to furnish this account. 

Despite this failure, XXXX continues to furnish this account to the credit bureaus, and the bureaus are continuing to report it, which violates the FCRA and FDCPA, including 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ), and 1692g ( b ). The reporting is inaccurate, incomplete, and legally unverified. 

I am requesting that the CFPB require XXXX and the credit bureaus to delete or suppress this account unless and until XXXX produces lawful, account-level verification proving ownership and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Dear Capio Partners LLC, I am writing to formally request that you cease and desist all collection activities related to the alleged debt referenced under account number. Please consider this letter as a formal demand that you stop all further communication with me in connection with this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am entitled to request that you cease any further communications with me regarding this alleged debt. The law states that upon receipt of a written request to cease communication, you must refrain from contacting me again, except for the following limited circumstances : You may contact me to inform me that you are ending your efforts to collect the debt.

You may notify me that you intend to take a specific action, such as filing a lawsuit, if applicable. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I expect that you will comply with the law. I expect that all communication regarding this debt will cease immediately. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), I am entitled to dispute the accuracy of any information you report to the credit bureaus, and I am entitled to protection against any reporting of inaccurate information. If you continue to report inaccurate information to the credit bureaus, you may be in violation of these laws.

I also request that you not engage in any further actions, including, but not limited to, phone calls, letters, or attempts to initiate legal action, regarding this debt unless and until you provide proper verification of the debt in question. 

Please note that if you continue to contact me in violation of this request, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. I will also consider taking legal action for violations of the FDCPA and related consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 submitting this formal complaint against XXXX ( Account XXXX. XXXX * ) * * for reporting inaccurate and unverifiable information to the credit bureaus. 

First, I have discovered that my credit file includes the following wrong addresses, which are completely unrelated to me and must be removed immediately : XXXX XXXX De XXXX, XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Address These addresses are not connected to my personal history, residence, or any of my verified credit activities. Their presence raises serious concerns about possible identity confusion or data mismanagement by XXXX or more credit reporting agencies. 

Additionally, XXXX ( Account XXXX. XXXX * ) * * is reporting a charge-off account with a high balance of {$7500.00}, opened on XX/XX/year>. 
I have no knowledge of this account, have never entered into any credit agreement or contractual relationship with XXXX, and have never authorized any account of this nature to be opened in my name. 

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), consumer reporting agencies are required to ensure the maximum possible accuracy of all information reported. The continued reporting of this unverified and inaccurate account constitutes a violation of my rights under FCRA 611 and 623, as well as negligent data handling under FCRA 616.

I am demanding that the CFPB investigate this matter thoroughly, compel the data furnisher and credit bureaus to provide verifiable proof of the alleged account, and delete any unverifiable or inaccurate data from my credit file immediately. 

Please confirm that this complaint has been received and that a formal investigation will be initiated. I am also requesting that all findings, responses from the furnisher, and actions taken be provided to me in writing. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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