vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
I am filing a complaint to you because I recently reviewed my credit report and discovered several accounts and inquiries that are being reported inaccurately. These errors have caused me unnecessary stress, and I want to ensure that only fair and accurate information is reflected in my file. I am requesting your immediate attention to this matter, as I have the right to an accurate report under the Fair Credit Reporting Act. 
One account showing as late and closed is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$410.00} XXXX XXXX. This account is being reported with inaccurate late payments and closure information. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), I have the right to dispute information that is not reported with maximum accuracy. Furthermore, 605B / 15 U.S.C. 1681c-2 requires removal of information resulting from identity theft or errors. This account must be corrected or deleted immediately. 
In addition, my report lists a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}. Since this account is showing no balance and can not be properly verified, it falls under the protections of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, which require removal of unverifiable or inaccurate information. Leaving this entry on my file is misleading and unfair, and it should be permanently deleted. 
Additionally, a collection is being reported by XXXX XXXX XXXX XXXX with a balance of {$230.00} XXXX XXXX. I do not recognize this debt, and it can not be verified as mine. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any account that can not be substantiated. 605B / 15 U.S.C. 1681c-2 also requires deletion of information resulting from errors or unverifiable accounts. This collection should be removed from my credit report. 
I also noticed multiple inquiries on my file that I did not authorize. These include : 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 These inquiries were not approved by me, and they violate my rights under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limit access to consumer reports. In addition, under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute and request removal of inaccurate or unauthorized inquiries.

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 2025-09-24 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 RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS FRAUDULENT ACCOUNT ON IT. PLEASE REMOVED THIS ACCOUNT FROM MY REPORT, AS IT IS AFFECTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MD

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 Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation Dear Radius Global Solutions LLC, I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt with account number XXXX. I am requesting validation of this debt as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 



Please provide the following : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Proof that I am legally obligated to pay this debt.

4. A copy of any judgment ( if applicable ).

5. Verification that you are licensed to collect debts in my state. 



Be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit bureaus. 



Please provide your response in writing to the address listed above. 



Sincerely, 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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and reliable. I am requesting a thorough investigation of these accounts, and if they can not be verified as correct, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-24 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CapitalJ Inc. dba Juno
State: FL

Complaint narrative:
I made two separate wire transfer from my bank account to evolve on XX/XX/XXXX I sent {$7200.00} and I sent {$7200.00} on XX/XX/year> because I wanted to buy XXXX on Juno but the app was glitched then it had technical issues or whatever XXXX XXXXXXXX happened I reported to my bank to get the money back my bank told me XXXX  and juno were holding my money and refused to return it for more than a year and few months now this is so unfair yet they keep running their business My life is completely ruined I need my money back I kept sending them mails but them take me for granted treat me like a fool its so obvious this is a scam XXXX this whole thing is making me so depressed and I feel so suicidal about it! {$14000.00} is no joke I need my money back before its too late because theres no point in living for me currently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have the reason to believe Transunion is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date of Birth XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Social XXXX Phone : 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 2025-09-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Hi, I want to report identity theft or mistaken identity that has caused me irreparable harm. 

This weekend I got a notification that my credit score went down. When I went to check, there was a collection notification in my credit file at from Fair Collection and Outsourcing. I called them at XXXX. I was told they have a collection on behalf of an apartment complex in XXXX, MA. XXXX XXXX something. 

I have never lived in XXXX, I live in Florida and have lived here since XXXX. I won my apartment in XXXX, XXXX XXXX XXXX. I have never rented anything in XXXX or elsewhere and have not cosigned anything for anyone. 

This is a case of mistaken identity or identify theft. Need you help to get attention from Fair Collection Outsourcing, which could also be a scam organization. I have disputed this with them and all the credit reporting agencies. 

I have also file police report in XXXX. 

This has destroyed by credit score of XXXX for over 30 years to XXXX. Can you please help? 

I need to open a police report to send to the credit reporting agencies. What do I need to do to make that happen? 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : XXXX XXXX Block Request under 15 U.S.C. 1681c-2 and CFPB Regulation V To Whom It May Concern, I am a documented victim of XXXX XXXX and am invoking my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, as amended by the XXXX XXXX  Survivor Credit Protection Act of XXXX. Pursuant to this law and the CFPB 's final rule, I request that TransUnion block, delete, and suppress all adverse information that resulted from my trafficking experience. 
The following inaccurate or adverse items are directly related to trafficking and must be permanently removed from my consumer file : XXXXXXXX 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 
Please delete the above accounts

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
This is not my debt and I asked the collections agency to correct this. They are putting someone else debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I disputed a {$64.00} charge ( XXXX XXXX  ) on XX/XX/year>. The merchant already charged my cleaning in full ( {$79.00} ) that day ( receipt shows {$0.00} balance ) and had separately charged {$20.00} for a XXXX XXXX the day before. The {$64.00} is a post-transaction membership charge I did not clearly consent to. Under 12 C.F.R. 1026.13 ( Reg Z ), this is a billing error ( not as agreed/unauthorized ). My issuer ( Citi ) closed the dispute on XX/XX/year>XXXX  as Customer Responsible. I request CFPB require issuer compliance with Reg Z error-resolution, including provisional credit during reinvestigation, and require Citi to obtain and share any affirmative consent record if it exists. Evidence attached : receipt ( showing {$79.00} and {$0.00} balance with 3 voucher hours ), statement entries for {$20.00} voucher and {$64.00} membership, and screenshots of the small-print onboarding.

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 2025-09-24 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX. Despite having received all required documents, TransUnion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXXXXXX 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 2025-09-24 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: ND

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-24 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: ND

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I was offered a settlement offer of XXXX from national credit adjusters which I paid. Which they are reporting not paid. I was told by a representative that the account is a paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
An unauthorized and duplicative charge was made to my account. I submitted detailed information to Goldman Sachs via Apple Card Support, and the company failed to remove the charge. Detailed information included redacted statements provided as requested highlighting where the merchant made multiple charges without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I experienced a pattern of excessive and questionable fees from Bank of America on my XXXX XXXX credit card account from XXXX through XX/XX/year>. 
In XX/XX/year>, the bank charged multiple " returned payment unpaid '' fees totaling {$480.00} for payments that were initially processed but later returned. The returned payments were for {$100.00}, {$100.00}, {$130.00}, and {$50.00}, meaning the bank charged a 100 % penalty fee equal to the full amount of each returned payment. This resulted in my account balance increasing by {$970.00} ( {$480.00} in returned payments plus {$480.00} in fees ) from what should have been resolved payments. 
In XX/XX/year>, despite my account showing a credit balance of negative {$3.00} ( meaning the bank owed me money ), they still charged {$21.00} in interest. Charging interest on a credit balance appears improper as there was no debt to charge interest against. 
Late fees escalated from {$29.00} in XX/XX/year>XXXX  to {$40.00} in XX/XX/year>. Combined with other transaction fees throughout the year, total fees reached {$92.00} by XX/XX/year>, with total interest charges of {$180.00}. 
The returned payment fees particularly seem excessive compared to industry standards and resulted in my account being restricted and going significantly over my credit limit, triggering additional limitations on card usage. 
These practices appear to create a cycle where fees generate more fees, making it increasingly difficult to bring the account current.

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 2025-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AR

Complaint narrative:
My cash app card was stolen and XXXX charges totaling {$1900.00} was stolen from my account at XXXX without my knowledge or consent. I never gave or wrote down my pin that protected my funds. I filed a police report, and I did an online dispute with cash app. Being that I couldn't speak with a live agent, I am submitting this complaint so this dispute could be governed for due process purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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