vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts on my Experian credit report resulting from identity theft. These include XXXXXXXX XXXX  accounts opened on XX/XX/XXXX and XX/XX/XXXX, a XXXX XXXX card from XX/XX/XXXX, a XXXX XXXX XXXXard from XX/XX/XXXX, and a XXXX XXXX XXXXard from XX/XX/XXXX. These unauthorized accounts have caused multiple fraudulent hard inquiries and collections. I request the immediate removal of these items from all consumer credit reports and demand that any collection activity cease, in accordance with my rights under the FCRA and FDCPA. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Account radius global solution XXXXXXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide XXXX XXXX  with receipt displaying as soon as possible from my report or I will have to take legal action.

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 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am formally filing a complaint because my credit report contains fraudulent accounts resulting from identity theft, and XXXX  XXXX  and XXXX has failed to remove or block them after receiving all documentation required under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX I submitted : A valid FTC Identity Theft Report A copy of my government-issued ID A proof of address ( utility bill or bank statement ) A written statement clearly identifying the accounts that were fraudulently opened The following account ( XXXX ) were opened without my knowledge or consent and are the result of identity theft : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account XXXX : XXXX Creditor Name : XXXX XXXX XXXX Account XXXX XXXX XXXX & XXXX Creditor Name : XXXX XXXX  Account Number : 1096 According to FCRA Section 605B, the credit bureau is required to block fraudulent accounts from a consumers credit report within XXXX business days of receiving the proper identity theft documentation. I have complied with every legal requirement, and the bureau has either failed to act or wrongfully verified the item ( s ).

This noncompliance is a direct violation of federal consumer law. I am requesting that the CFPB investigate this matter, hold the bureau accountable, and enforce the removal of all accounts identified in my identity theft report.

I am also requesting confirmation that the account ( s ) will not reappear in the future under any condition, as required by 605B unless the bureau can prove I made a false claim which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, the vehicle financed through Capital One was involved in an accident and subsequently repossessed on XX/XX/XXXX. My name is on the finance agreement as the primary borrower, but I was never notified about key developments, including the vehicles location and its auction sale. I was informed by the police that, because I was not on the title or registration, I could not receive information about the impound. 

Capital One reported the account as charged off with a balance of {$16000.00} as of XX/XX/XXXX, despite multiple payments I made in early XXXX totaling over {$3000.00}, which are missing from my credit report. Additionally, Capital One provided inconsistent notices about amounts owed, including repossession and storage fees, and offered a settlement agreement with the co-signer only. I was not involved in or notified about this settlement. 

Capital One has failed to provide documentation confirming the auction sale of the vehicle, which is required under XXXX  state law. I have disputed the accuracy of the reported balance and account status with both XXXX  and XXXX submitting supporting documents, but Capital One verified the balance as accurate without addressing these inconsistencies. 

I am seeking correction or removal of this inaccurate and incomplete information from my credit report and a resolution regarding the remaining balance, as I never received proper notice or documentation related to the repossession and sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : In light of the XXXX  CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

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 2025-05-27 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: IA

Complaint narrative:
XXXX XXXX XXXX never reached out via mail or telephone to explain to me my correct due date I been making my payments every month around the XXXX of the month and they continue to report me late even after writing me a letter saying they will fix it. This company is continuing reporting inaccurate information month after month. 
One example below they reported to experian I was 30 days late 3 times and reported I was 30 days late twice to XXXX  and XXXX  They reported to XXXX and experian I was on time in XXXX of XXXX but reported to XXXX I was 30 days late in XX/XX/year> this report is filled with some many inaccurates

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 2025-05-27 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: IA

Complaint narrative:
XXXX XXXX XXXX never reached out via mail or telephone to explain to me my correct due date I been making my payments every month around the XXXX of the month and they continue to report me late even after writing me a letter saying they will fix it. This company is continuing reporting inaccurate information month after month. 
One example below they reported to XXXX I was 30 days late 3 times and reported I was 30 days late twice to transunion and XXXX  They reported to transunion and XXXX  I was on time in XXXX of XXXX but reported to XXXX  I was 30 days late in XX/XX/year> this report is filled with some many inaccurates

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 2025-05-27 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: IA

Complaint narrative:
XXXX XXXX XXXX never reached out via mail or telephone to explain to me my correct due date I been making my payments every month around the XXXX of the month and they continue to report me late even after writing me a letter saying they will fix it. This company is continuing reporting inaccurate information month after month. 
One example below they reported to XXXX  I was 30 days late 3 times and reported I was 30 days late twice to XXXX  and equifax. They reported to transunion and experian I was on time in XXXX of XXXX but reported to equifax I was 30 days late in XX/XX/year> this report is filled with some many inaccurates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
There is a loan from a car that my ex took out I dont know how my name got on it the place she got the car loan from was XXXX I got it disputed off my credit it popped back up on my credit in a different company name which means they sold the debt which means the other company bought a debt in my name that I didnt get notice of not only that I didnt ask them to buy it at all I called both companies nobody has information of me having a vehicle from either company XXXX cant get a car because this is on my credit if someone buys something without permission why charge someone for it because XXXX bought it I dont own this debt never did and if I did it still isnt mines because someone bought that debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
Upstart Network Inc. is reporting a charged-off personal loan with an inflated balance of {$2300.00}. The original loan was approximately {$2100.00}. I requested a full itemized breakdown including interest, fees, and principal, but Upstart has failed to respond. 
Although licensed in XXXX, they are obligated to comply with the Fair Credit Reporting Act. Their failure to validate this debt violates my rights. 
I request that they validate the balance in writing. If they can not, I want the tradeline removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
I recently received a copy of my credit report, and I noticed inaccuracies unauthorized accounts/information according to my credit report. These remarks have been detrimental to my life and Credit health.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed inaccuracies unauthorized accounts/information according to my credit report. These remarks have been detrimental to my life and Credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: PR

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

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. 
Account Name : XXXX account # XXXX Account Name : XXXX account # XXXX 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn. Violation of the Family Educational and Privacy Act of 1974. When signed you stated you would not provide my information to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ak XXXX XXXX IQ Data International Inc, XXXX. XXXX XXXX, XXXX, Washington XXXX Subject : Request for Debt Validation Dear IQ Data International Inc, I am writing to request validation of the debt referenced in your correspondence. Under the Fair Debt Collection Practices Act, I have the right to request validation of this debt before I can acknowledge its validity. 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of any judgment, if applicable.

4. Proof that you are authorized to collect this debt.

Until you provide this information, I request that all collection activities cease. Please send your response to the address listed above.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> for XXXX at house I did not live at anymore while I was gone and am still actively gone in the military this was all done with no notice and no warning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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