vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has XXXX me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of 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
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has XXXX me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of 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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered a XXXXXXXX XXXX account listed on my TransUnion credit report that I have no knowledge of and did not authorize. I filed a dispute through TransUnion ( via XXXX XXXX XXXX, stating that the account does not belong to me. However, TransUnion failed to provide any dispute results or verification of ownership within the 30-day investigation period required under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ). 

XXXX XXXX notified me that TransUnion did not receive dispute results, yet the account remains on my TransUnion report. I also requested the method of verification as allowed under FCRA 611 ( a ) ( 7 ), but TransUnion did not provide it.

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 2025-10-16 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> To : XXXX XXXX  Experian Information Solutions , Inc . 

Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. 1692c ( c ) Account No. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing XXXX XXXX and the above-listed consumer reporting agencies ( XXXX, XXXX, and Experian ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice is received, you are prohibited from contacting me further about this matter, except to : 1. Inform me that your collection efforts or reporting activities are being terminated ; or 2. Notify me that specific legal remedies may be pursued. 

Any communication beyond these limited exceptions will constitute a violation of federal law. 

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXX XXXX  and cease the reporting or re-reporting of any unverifiable or disputed account information associated with the above account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account 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 2025-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, I deposited a check using Bank of Americas mobile check deposit from a legitimate company, XXXX XXXX. Bank of America incorrectly flagged my account for suspected fraud and closed it on XX/XX/XXXX. XXXX  reported this closure as suspected fraud activity, preventing me from opening new bank accounts for years. 

In XXXX, Bank of America issued a check and formal apology acknowledging the error. Despite this, XXXX  still lists the inaccurate closure. 

I request CFPB assistance to ensure XXXX  removes the incorrect record and to investigate Bank of Americas actions. I am also requesting compensation of {$150000.00} for financial and personal hardship caused.

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 monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
they said it was from some cable company, i asked send me proof so any uses of service, i had, but they didnot provide any proof, and told me i will not pay collection activities will be continue and it will effect my credit XX/XX/2025 sent on my credit XX/XX/2025 last update on credit Company : I C SYSTEM 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account in accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates reasonable investigation of disputes furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Ingo Money, Inc.
State: VT

Complaint narrative:
Ingo Money cleared my check, took out their payment and then said it couldn't be deposited in my XXXX account because of technical issues. And not sure when they can do it. 

It happened on XX/XX/year> at around XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccurate entries on my credit report. These errors have caused significant harm to my creditworthiness and must be corrected immediately. 

The inaccurate information includes : AXXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$24000.00} Incorrectly reported late payments. 

XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$0.00} Incorrectly reported as Charge Off. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$1200.00} Incorrectly reported as Collection. 

XXXX XX/XX/XXXX Incorrect inquiry on my report. 

I request that these inaccuracies be thoroughly investigated and corrected or removed from my credit report immediately, as they are false and violate the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this complaint and provide me with updates on your investigation. I am attaching copies of relevant documents supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Title : Harassment and collection attempts on an unresolved, disputed XXXX XXXX account XXXX XXXX has continued to mishandle a billing dispute and has now escalated matters by allowing a third-party collector, Radius Global Solutions , to contact me about an account that remains under active dispute and regulatory review. 

The balance in question ( {$1700.00} ) comes from a veterinary charge that I paid upfront and that XXXX never properly validated or investigated. Instead of treating the issue under the Fair Credit Billing Act, XXXX incorrectly labeled my dispute as a tort claim, recycled denial letters for months, and refused to review my documentation. The matter remains open with state and federal agencies. 

Despite this, XXXX has apparently assigned Radius Global to pursue collection. I have received phone calls from Radius without ever being sent a legally required debt validation letter under the Fair Debt Collection Practices Act. These calls are harassing and improper, given that the account is still disputed. I called once after hours and reached an automated system, but I have not spoken to anyone or authorized contact. 

This is not a purchased debt, Radius is acting on XXXX behalf. Therefore, XXXX is continuing to pursue collection through another entity while the dispute is unresolved, which violates consumer-protection rules. 

XXXX has also been manipulating how the account is reported : they previously removed a late payment from my credit file, restored my credit limit briefly after a CFPB filing, and then abruptly closed the account, now reportedly re-adding 90-day late marks as of XXXX. These inconsistent and retaliatory updates are damaging and misleading. 

At this point, both companies conduct amounts to harassment and reckless indifference to the regulatory process. I am currently undergoing medical testing for possible hematologic and autoimmune conditions, and this ongoing stress has worsened my health. It is unacceptable for XXXX XXXX and its contractors to continue pressuring and distressing a consumer whose dispute remains unresolved. 

This written complaint serves as my formal debt-validation request under the FDCPA. I do not have a working printer or the physical strength to prepare and mail separate documentation. This submission to the CFPB is the only form of validation request these parties will receive, and it should be treated as such for all compliance purposes.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> To : XXXX XXXX  Equifax Information Services, LLC Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. 1692c ( c ) Account No. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing TD Bank and the above-listed consumer reporting agencies ( TransUnion, Equifax, and Experian ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice is received, you are prohibited from contacting me further about this matter, except to : 1. Inform me that your collection efforts or reporting activities are being terminated ; or 2. Notify me that specific legal remedies may be pursued. 

Any communication beyond these limited exceptions will constitute a violation of federal law. 

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXX XXXX  and cease the reporting or re-reporting of any unverifiable or disputed account information associated with the above account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account XXXX. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MD

Complaint narrative:
Re : CFPB Case # XXXX Supplemental Evidence of LexisNexis False Statements and Willful Non-Compliance LexisNexis Consumer Number : XXXX LexisNexis Risk Solutions Inc. has made materially false statements to the CFPB and is willfully violating its obligations under the Fair Credit Reporting Act ( FCRA ). 

LexisNexis falsely claimed that I did not respond to their identity verification requests on XX/XX/year>, XX/XX/year>, and XX/XX/year>. This is demonstrably false. On XX/XX/year>, I sent an email from XXXX containing clear, high-quality copies of my Drivers License, Passport, and Social Security Card three forms of government-issued ID that fully verify my identity. LexisNexiss representation to the CFPB that they received no response is knowingly false and constitutes a willful misrepresentation to a federal regulator. 

The core of my complaint concerns LexisNexiss continued reporting and distribution of an inaccurate and unlawfully sourced bankruptcy record ( Case # XXXX ). Rather than investigating the accuracy and lawful source of this information as required under 15 U.S.C. 1681i, LexisNexis has instead obstructed my dispute process by repeatedly shifting verification demands and providing false statements. 

This bankruptcy record was not verified through any legitimate court source and appears to have been obtained through PACER, which is not a verified or authoritative data source for consumer reporting under CFPB and FTC guidance. Courts and agencies have consistently held that using PACER alone fails to meet the accuracy and reasonable investigation standards under the FCRA and Metro 2 Compliance Guidelines. LexisNexis has not demonstrated that it accessed or verified the information directly from an official court record or certified source. 

These actions violate : FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known or reasonably expected to be inaccurate 15 U.S.C. 1681g ( a ) ( 2 ) Failure to disclose the actual source of information 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information after reinvestigation LexisNexiss false reporting, obstruction, and misrepresentations to the CFPB demonstrate bad-faith conduct and a pattern of willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I didnt receive any email or text about debt, I only found out when my credit score went down XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Date : XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 
Your full name : XXXX XXXX Current address : 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