vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), MO XXXX SSN ( last 4 ) : XXXX XXXX : XX/XX/year> Radius Global Solutions, XXXX XXXX. XXXX XXXX XXXX, FL XXXX Re : Alleged Radius Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMAL CEASEANDDESIST AND WITHDRAWAL DEMAND FDCPA 1692c ( c ) FDCPA 1692g ( b ) FCRA 623 ( a ) ( 1 ) ( A ) I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX hereby demand that RadiusGlobalSolutions, LLC immediately * * cease all communication * * with me regarding the abovereferenced account.

1. * * Cease all * * telephone calls, text messages, emails, letters, voicemail drops, and any other direct or indirect contacts.

2. * * Do not contact * * my employer, relatives, or any third party except for the single locationinformation attempt permitted by FDCPA 1692b.

3. If you contend this debt is valid, you must : a. Provide a complete validation package that complies with FDCPA 1692g ( b ) and 12C.F.R. 1006.34 ( RegF itemization notice ).

b. Suspend any creditbureau reporting during the validation period as required by CFPB XXXX. 
4. If you * * can not validate * *, you are obligated under FCRA 623 ( a ) ( 1 ) ( A ) to * * delete or suppress * * the tradeline from XXXX XXXX XXXX XXXX within five ( 5 ) business days.

Any communication beyond the two notices allowed after a ceaseanddesist ( 1 ) confirmation of termination of collection efforts, or ( 2 ) notice of a specific legal remedy you intend to pursue ) will constitute a willful violation subject to civil liability under FDCPA 1692k and FCRA 1681n1681o. Such violations will be reported to the ConsumerFinancialProtectionBureau, the Missouri Attorney General, and any other relevant regulators, and may serve as grounds for civil litigation.

This notice does * * not * * constitute an admission of liability and does * * not * * waive my right to dispute the debt. 

Sincerely, 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> and the amounts were XXXX they have not been removed off my credit report and they have not been inaccuracy correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
XXXX Account No. : XXXX Disputed Amount : {$160.00} I am formally disputing the reporting of a charged-off account from XXXX XXXX in the amount of {$160.00}. This account is inaccurate, unverifiable, and appears to have been re-aged, which is a violation of both federal law and credit reporting standards.

Unverifiable and Inaccurate Reporting : The payment history associated with this account is inconsistent and fails to follow Metro 2 compliance guidelines. The derogatory history shows repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX without consistent monthly updates, violating FCRA 623 ( a ) ( 5 ) which mandates accurate reporting of the date of first delinquency.

Re-Aging Violation : The account appears to be re-aged to extend its negative impact. This is a direct violation of FCRA 623 ( a ) ( 5 ) and FTC guidelines, which prohibit updating charge-off dates to artificially extend derogatory status on consumer credit reports.

IRS & FTC Charged-Off Debt Guid
ance : If Affirm claimed an insurance loss or tax deduction for this charge-off, then continuing to report the account as collectable may constitute double-dipping, violating IRS Publication 535 and FCRA 607 ( b ), which prohibits misleading credit reporting.

Unlawful Collection & Data Furnishing : The continued reporting and collection of this account without providing proper verification violates : FCRA 611 ( a ) ( 1 ) ( reasonable investigation ), FCRA 623 ( b ) ( 1 ) ( duty to update and correct ), FDCPA 1692e ( 8 ) ( false reporting of credit information ). 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Credit bureaus must go beyond parroting furnishers and must reasonably investigate disputed information. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Furnishers and CRAs may be held liable for failing to correct inaccurate data. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Willful failure to follow reasonable procedures violates the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Improper re-aging can be considered inaccurate reporting. 

Legal Demand for Immediate Deletion or Suppression : I am demanding the permanent deletion or suppression of this account based on : FCRA 1681n & 1681o ( civil liability for willful and negligent noncompliance ), FDCPA 1692k ( damages for unfair debt collection practices ), UCC 3-305 ( real defenses to enforcement of negotiable instruments ), and Fair Debt Collection Principles established by FTC 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 explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I am currently being pursued by ProCollect for a debt I do not owe. 
On XX/XX/XXXX, I sent ProCollect an email requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including the original creditor, the amount owed, and documentation showing I am legally responsible. I received no response. On XX/XX/XXXX, I sent a second formal request, attaching a PDF letter clearly requesting validation. I again received no reply. 
Despite failing to validate the debt, ProCollect is still reporting it to credit bureaus and attempting to collect, which is a violation of the FDCPA. This has negatively impacted my credit report and financial standing. 
I am seeking immediate removal of this unvalidated debt and a formal response from ProCollect with either validation or confirmation that the collection has been withdrawn. 

When I was a resident at XXXXXXXX XXXX XXXX, where I paid $ XXXX in rent. I signed a lease and followed the terms, including utilities and move-out procedures. My stay began around XX/XX/XXXX, and I completed my lease during the post-COVID period around XXXX. 

I have attached my Welcome Letter and Community Rules from XXXX XXXX as proof of my rental terms. At no point during or after my lease was I informed of any unpaid balance. I was not notified of any remaining charges or balance owed, and I returned the apartment per move-out guidelines. 

ProCollect is now reporting a debt I was never notified of, and they have not responded to my legal requests for validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute this debt and request its removal. The continued collection and credit reporting is damaging my record and affecting my ability to secure housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( s ) are being reported inaccurately : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like 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 2025-07-28 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I PURCHASED A VEHICLE FROM AMERICAN CAR CENTER IN XXXX, UNFORTUNATELY IN XXXX OF XXXX THEY WENT OUT OF BUSINESS AND SOLD MY CONTRACT TO WESTLAKE PORTFOLIO. I PREVIOUSLY HAD BEEN SET UP ON AUTOMATIC PAYMENT WITH AMERICAN CAR CENTER THE MONTHS I HAVE HAD THE VEHICLE THROUGH THE IN XX/XX/XXXX ON MY CONTRACT IT CLEARLY STATES 119 PAYMENTS ON A BI-WEEKLY PAYMENT SCHEDULE LEFT WHICH WOULD LEAVE ME AT 4.5 YEARS WITH THE LOAN. NOW AMERICAN CAR CENTER TAKES OVER IN XXXX STILL MAKING MY PAYMENTS ON A BI-WEEKLY SCHEDULE BUT THERE IS A PROBLEM THEY HAVE ME AT 61 PAYMENTS OUT OF 120 NOW THAT IS SINCE THEY HAVE TAKEN OVER HOW CAN THAT BE WHEN THE PREVIOUS CONTRACT BACK IN XXXX SAID 119 PAYMENTS AFTER I HAD PURCHASED THE VEHICLE FROM AMERICAN CAR CENTER JUST BECAUSE XXXX TOOK OVER DOES NOT MEAN CHARGE ME LIKE I PURCHASED THE CAR RECENTLY AND HAVEN'T MADE ANY PAYMENTS. THEY ARE TRYING TO EXTEND MY LOAN TO TEN YEARS AND I REFUSE TO PAY MORE MONEY FOR A VEHICLE I HAVE HAD SINCE XXXX. I AM IN THE PROCESS OF TRYING TO TAKE THEM TO COURT BECAUSE I HAVE HAD ENOUGH AT THIS POINT I JUST WANT MY TITLE TO MY VEHICLE THEY HAVE VIOLATED THE CONTRACT I PREVIOUSLY HAD WITH AMERICAN CAR CENTER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 explanation
Consumer complaint received 2025-07-28 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: NY

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 Services , 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 NY XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX XXXX XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-07-28 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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