vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Portfolio recovery is trying to collect an amount of a debt that is 7 times more than what i owed to the previous debt collector company Radius. 

Radius Reference # : XXXX I have reached out to XXXX XXXX about this matter and they refuse to provide supporting documents that ive requested about the amount owed and for what they purchased the debt for from Radius.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Receivables Solutions
State: IN

Complaint narrative:
Accelerated Receivable Solutions keeps calling be and stating " This is an important message from my debt collector of accelerated receivable solutions please return our call at XXXX or visit us online at arsbullpay.com thank you '' I am unaware of any debts that i owe. I am afraid to talk to them as i have been scammed before. 

Any help would be greatly appreciated! 

Thanks! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-06-30 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: MS

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 explanation
Consumer complaint received 2025-06-30 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: MS

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 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I cashed a loan check from Tower Loan about XXXX  months ago when I didnt have a job and was struggling financially. I planned to pay it back but have been unable to do so. Recently, Tower Loan started calling my brother, whose number I never gave them and who is not involved with this loan. At XXXX am on XX/XX/year>, I called to ask them to remove contact with my brother. They were immediately very rude and threatening, saying they will not stop contact with my brother & continue to call. They said they will file a lawsuit immediately if I dont make payment arrangements before the end of the phone call. I said I could call back by the end of the day to make arrangements, and they said no, that will not happen and they will be filing suit. They also said I signed papers allowing them to contact my references, but I am uncomfortable and upset that they contacted my brother without my permission. They pressured me on the phone, told me Im XXXX and can figure it out, and were generally aggressive and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

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 explanation
Consumer complaint received 2025-06-30 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
We are victims of IDENTITY THEFT -- -ongoing for XXXX weeks now. 
I have had to dispute so many inquiries about CC applications opened fraudulently in my name or husband 's that I have lost count. 
XXXXXXXX XXXX opened a XXXX XXXX account in husband 's name AFTER freeze and fraud alert were put on credit information. I called when saw the inquiry and applications dept. said they pulled that and XXXX other applications in our names-- pulled for fraud. We have had that account closed or that's what XXXX says, but they have lied about so much, I can't believe them -- obviously they didn't pull that application when they said they did. 
This is a HARD inquiry and says it will stay on account for 2 years. WE WANT IT REMOVED AS IT WAS FRAUD as result of IDENTITY THEFT -- we did not initiate this inquiry, and our credit rating should not be penalized because of what a criminal did. REMOVE THIS HARD INQUIRY!

2-I ERRONEOUSLY disputed my XXXX credit card -- there was a number that said " account number '' and it didn't match my CC number, so I knee-jerk disputed it ; this number is some identifying number XXXX uses. that account is legit. 
Tried to get dispute removed or closed -- preferably removed. But CAN NOT GET THROUGH THE TERRIBLE AUTOMATED PHONE XXXX on ANY credit bureau -- EXPERIAN is one I need to remove it. called 3 times this morning and automated system says to visit the website... THERE IS NO PLACE ON WEBSITE TO CLOSE A DISPUTE!! I can NOT get through to a human about these XXXX items. 
This experience with credit bureaus that are SUPPOSED TO HELP, has added to nightmare of identity theft. 
NO ONE WANTS TO HELP THE VICTIM, THEY ONLY PROTECT THE CRIMINAL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
We are victims of IDENTITY THEFT -- -ongoing for 3+ weeks now.

I have had to dispute so many inquiries about CC applications opened fraudulently in my name or husband 's that I have lost count. 
1-Citi bank opened a Wayfair CC account in husband 's name AFTER freeze and fraud alert were put on credit information. I called when saw the inquiry and applications dept. said they pulled that and 2 other applications in our names-- pulled for fraud. We have had that account closed or that's what CITI says, but they have lied about so much, I can't believe them -- obviously they didn't pull that application when they said they did. 
This is a HARD inquiry and says it will stay on account for 2 years. WE WANT IT REMOVED AS IT WAS FRAUD as result of IDENTITY THEFT -- we did not initiate this inquiry, and our credit rating should not be penalized because of what a criminal did. REMOVE THIS HARD INQUIRY! 
2-I ERRONEOUSLY disputed my XXXX credit card -- there was a number that said " account number '' and it didn't match my CC number, so XXXX XXXX  disputed it ; this number is some identifying number XXXX uses. that account is legit. 
Tried to get dispute removed or closed -- preferably removed. But CAN NOT GET THROUGH THE TERRIBLE AUTOMATED PHONE XXXX on ANY credit bureau -XXXX XXXX is XXXX I need to remove it. called 3 times this morning and automated system says to visit the website... THERE IS NO PLACE ON WEBSITE TO CLOSE A DISPUTE!! I can NOT get through to a human about these XXXX items. 
This experience with credit bureaus that are SUPPOSED TO HELP, has added to nightmare of identity theft. 
NO ONE WANTS TO HELP THE VICTIM, THEY ONLY PROTECT THE CRIMINAL

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 2025-06-30 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting 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 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting 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 2025-06-30 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: FL

Complaint narrative:
RE : URGENT DEMAND FOR IMMEDIATE CORRECTION RIGHTS, PRIVACY, AND UNLAWFUL REPORTING To Whom It May Concern, This letter serves as an official demand for immediate correction and deletion of inaccurate, unverifiable, and fraudulent information on my credit report regarding XXXX XXXX XXXX XXXX and any associated tradelines. 

This is not a frivolous dispute, but a formal notice of concern and additional evidence. I have submitted a police report and FTC Identity Theft Report, clearly documenting the fraudulent use of my information. To date, your company has failed to act in accordance with federal laws. This has led to emotional distress, hardship, and irreparable damage to my creditworthiness. 

You are required by law to update or delete inaccurate data. As such, I demand that the tradelines associated with this fraudulent activity be updated to : Paid as agreed or Current All derogatory information removed Charge-off status deleted No 1099-C was issued, yet a profit & loss/charge-off was reportedthis is a direct IRS violation Applicable Laws & Legal Grounds : FCRA 1681i ( a ) ( 5 ) ( A ) : Failure to verify must result in deletion FCRA 1681s-2 ( b ) : Furnishers must conduct proper investigation and correct or delete unverifiable data 15 U.S.C. 1681e ( b ) : Must report with maximum possible accuracy UCC 9-210 : Right to accounting and validation of obligation 26 U.S. Code 6050P : Failure to issue Form 1099-C after charge-off constitutes IRS non-compliance Truth in Lending Act ( TILA ) : Notice must be given for all transfers or modifications of credit XXXX XXXX XXXX XXXX  defines charge-off as a tax deductionnot a collectible balance Supporting Case Law : Cushman v. TransUnion ( 115 F.3d 220 ) : Bureaus must verify with more than creditor confirmation Clark v. Capital Credit ( 460 F.3d 1162 ) : Failing to investigate disputed data violates consumer rights Wadley v. Equifax ( 396 F. Supp. 2d 677 ) : Inaccurate charge-off reporting creates liability In re Helmes, 336 B.R. 105 ( Bankr. E.D. Va. 2005 ) : Discharged/canceled debts must not be reported derogatorily You have 24 to 72 hours from the date of this notice to fully correct or delete these items. This demand is made in good faith and in accordance with my rights under federal law.

Failure to act will result in formal complaints filed with the CFPB, FTC, Attorney General, and legal counsel.

Go over these accounts and update the report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the false collection that is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
b"Northwest Bank. i called XXXX XXXX XXXX XXXX XXXX my credit card payment was scheduled for MondayXXXX XXXX  and the cut off time to edit, cancel the payment is XXXX XXXX. I was told that I can't cancel this payment. I don't understand when the cut-off time is XXXX XXXX to cancel or make a payment. I like to report fraud in the NorthWest Bank in the credit card department because I talked to a supervisor, and the bank was not able to cancel this payment, which, according to bank customers, are allowed to cancel payments until XXXX XXXX the same day."

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