vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information and Inquiry Regarding Data Breaches To Whom It May Concern : I am writing to dispute several items on my credit report that I believe are inaccurate, outdated, or unverifiable. These items, along with my personal information, are attached. I am also writing to inquire about any data breaches that may have compromised my personal and financial data, as well as that of my husband.

Re : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) and Florida Statute 501.0051, I am requesting a re-investigation of the following accounts. The information listed is inaccurate and/or outdated, and it is unfairly harming my credit. 
Please delete or correct the following items : Account Name : [ Name of Creditor, e.g., XXXX XXXX  ] Account Number : [ Account Number ] Item ( s ) to Dispute : [ e.g., " Charge-off, '' " Delinquency, '' or " Student Loan History '' ] Reason for Dispute : [ Clearly and concisely explain why you are disputing this information. For example, " This account is a charge-off that is beyond the seven-year reporting period allowed by the FCRA. It should be removed from my report. '' or " This delinquency is incorrectly reported ; my payments were never late. '' or " This student loan history is from a loan that was discharged in bankruptcy and should not be on my report. '' ] Please investigate these items and provide me with the results of your investigation within 30 days, as required by law. If you can not verify the accuracy of the information, it must 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was hounded to open a credit card with Capital One. Eventually I did. {$300.00} credit limit. I have higher limits elsewhere, but that is not my complaint. I pay my card every month, either entirely, but always more than the minimum balance and never late. They do an auto debit but couldn't tell me when it would hit. I keep all of my bank a counts a d debit cards locked because I have had money taken from my accounts. When they have run the accounts a couple of times, the card was locked. As soon as I got the alert I would manually pay. A few weeks ago, after calling in a payment ... and taking one when my card was unlocked, they closed my account and that same day reported it to the credit bureau which dropped my scores. I called and was told their system does it randomly and there is nothing they can do about it. I want them off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I have attempted to gain access into this account utilizing my durable power of attorney. There is no way to contact this company without first having a claim Ive had to use an old claim number to request aid I am unsure as to whether or not I have provided all the pertinent information because there is no procedure posted on their site. I have provided a certified copy of the power of attorney along with my drivers license and date picture and uploaded to their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$2300.00}

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Showing late on payments when in deferment. Request was made to startt date of deferment as of 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 2025-09-15 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: FL

Complaint narrative:
Showing late on payments when in deferment. Request was made to startt date of deferment as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Showing late on payments when in deferment. Request was made to startt date of deferment as of 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 2025-09-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
Starting on XX/XX/year> keep receiving weekly phone calls to XXXX from Monarch Recovery Mgt ( XXXX ) on behalf of XXXXXXXX XXXX  for a debt under the name XXXX XXXX. I press option # XXXX that is selection to stop calls since this is not the phone number for XXXX XXXX. The message then gives a phone number to call. I am not calling a phone number if the option is suppose to stop the calls since I am not XXXX. This appears to be a scam since I have no outstanding debts. These calls are annoying since they come around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: DC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness 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 non-monetary relief
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/year> 2023

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under USC 1681g, these inaccurate entries must be eliminated within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CareCredit closed my account without any sort of warning on XX/XX/year>.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: VYSTAR CREDIT UNION
State: VA

Complaint narrative:
Received an email morning of the XXXX for an appointment confirmation for an appointment I did not make. Location was for a branch in XXXX, and I am a resident of XXXX. The bank was able to confirm there was an appointment on the XXXX at XXXX for a new credit card application, but could not confirm if the appointment was made in my name or not. The appointment was canceled and reported to their fraud department for a full investigation.

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 2025-09-15 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-15 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX  Equifax XXXX  Subject : Dispute of Inaccurate Late Payment I am formally disputing the late payment notations being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

The account in question is : Creditor : [ Insert Creditor Name, e.g., XXXXXXXX XXXX XXXX ] Account # : XXXX XXXX XXXX XXXX XXXX This account is being reported with late payments for XXXX, XXXX, and XX/XX/XXXX. I dispute these entries because : XXXX. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or reasonably should know is inaccurate. 
XXXX. The Consumer Financial Protection Bureau ( CFPB ) and case law establish that furnishers must maintain procedures to ensure maximum possible accuracy. Reporting late payments without verifiable evidence of delinquency constitutes inaccurate reporting. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) requires the credit reporting agencies to conduct a reinvestigation when a consumer disputes the completeness or accuracy of information. 

I am not requesting the account be deleted, as it is valid and open. However, I demand that the late payment notations be corrected and reversed to reflect an on-time payment history, as the current reporting is inaccurate, harmful, and unlawful. 

Unless the creditor can produce original documentation proving I was XXXX days late with proper notice, these late marks must be removed. 

Please update my credit report accordingly and provide me with a corrected copy once this correction has been made. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
To whom the s may concern, my name is XXXX XXXX XXXX and this Im not a 3rd party filing this complaint. This is in regards to a Fraudulent account thats being reported on my credit report : Account name XXXX XXXX XXXX Account number XXXX This account does not belong to me. And I would appreciate if its removed immediately. 
Thank you.

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 2025-09-15 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: Chime Financial Inc
State: SC

Complaint narrative:
I filed a dispute for {$2700.00} that was taken out my account by a fraudulent company producing apps on XXXX XXXX. I produced all info to chime and they still keep denying me from getting my money back. Once I asked for my money back they blocked me from the app. I never received any fraud alerts from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
These records must be deleted within 15 days to comply with USC 1681g.

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 2025-09-15 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: PA

Complaint narrative:
To whom the s may concern, my name is XXXX XXXX XXXX and this Im not a 3rd party filing this complaint. This is in regards to a Fraudulent account thats being reported on my credit report : Account name XXXX XXXX XXXX Account number XXXX This account does not belong to me. And I would appreciate if its removed immediately. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
To whom the s may concern, my name is XXXX XXXX XXXX and this Im not a 3rd party filing this complaint. This is in regards to a Fraudulent account thats being reported on my credit report : Account name XXXX XXXX XXXX Account number XXXX This account does not belong to me. And I would appreciate if its removed immediately. 
Thank you.

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 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: LA

Complaint narrative:
Ed Financial is stating that they gave me three loans when I have only received one. I do not want the loans, but I do want it taken off my debt because I never received those loans when I was in school. I contacted Ed Financial via email, and they said they are not the ones to handle this situation.

Company response to consumer: Closed with explanation