vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
What happened : XXXX XXXX XXXX  is reporting a charged-off account on my credit report while simultaneously attempting to collect on the same debt. This is misleading and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the information on my credit report, the account was charged off ; however, I have not received any documentation from XXXX XXXX indicating that the debt was officially charged off or that it was reported to the IRS as a loss. If the debt has truly been charged off and reported as such for tax purposes, then it should no longer be subject to collection activities. Furthermore, XXXX XXXX continues to update the account status and balance, which may be in violation of FCRA guidelines regarding accurate and complete reporting.

Under 15 U.S. Code 1681s-2 of the FCRA, furnishers of information ( like XXXX XXXX ) are required to report accurate data and must not report misleading or outdated information. Continuing to update or attempt to collect on a charged-off account without providing clear documentation of the charge-off violates these principles.

I have requested validation and supporting documentation of the charge-off status, including IRS reporting forms ( such as a XXXX, if applicable ), but have not received a response. Therefore, I request the CFPB to investigate whether XXXX XXXX has violated the law by continuing to report and collect on an account they claim is charged off. 

Desired Resolution : Remove the charged-off account from my credit report if XXXX XXXX can not provide documentation of the charge-off and/or IRS reporting. 

Cease all collection activity if the debt was truly charged off and no longer legally collectible. 

Provide me with all documentation proving the nature of the charge-off and IRS reporting XXXX if any ). 

I consent to publishing this description on consumerfinance.gov so others can learn from my experience, with the understanding that my personal information will be removed.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: WI

Complaint narrative:
What happened : XXXX XXXX XXXX  is reporting a charged-off account on my credit report while simultaneously attempting to collect on the same debt. This is misleading and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the information on my credit report, the account was charged off ; however, I have not received any documentation from XXXX XXXX indicating that the debt was officially charged off or that it was reported to the IRS as a loss. If the debt has truly been charged off and reported as such for tax purposes, then it should no longer be subject to collection activities. Furthermore, XXXX XXXX continues to update the account status and balance, which may be in violation of FCRA guidelines regarding accurate and complete reporting.

Under 15 U.S. Code 1681s-2 of the FCRA, furnishers of information ( like XXXX XXXX XXXX are required to report accurate data and must not report misleading or outdated information. Continuing to update or attempt to collect on a charged-off account without providing clear documentation of the charge-off violates these principles. 

I have requested validation and supporting documentation of the charge-off status, including IRS reporting forms ( such as a 1099-C, if applicable ), but have not received a response. Therefore, I request the CFPB to investigate whether XXXX XXXX has violated the law by continuing to report and collect on an account they claim is charged off. 

Desired Resolution : Remove the charged-off account from my credit report if XXXX XXXX XXXX not provide documentation of the charge-off and/or IRS reporting. 

Cease all collection activity if the debt was truly charged off and no longer legally collectible. 

Provide me with all documentation proving the nature of the charge-off and IRS reporting ( if any ). 

I consent to publishing this description on consumerfinance.gov so others can learn from my experience, with the understanding that my personal information will be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
FORMAL IDENTITY THEFT BLOCKING REQUEST UNDER FCRA 605B THIS IS NOT A REINVESTIGATION REQUEST UNDER 611 To whom it may concern at the Equifax Fraud Department : I am submitting this formal dispute under FCRA 605B as a victim of identity theft. The following fraudulent items must be blocked from my credit file : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ; ( XXXX ) unauthorized inquiries from XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX. I did not open these accounts, did not authorize these inquiries, and did not give permission to anyone to act on my behalf. These items are the result of identity theft. Under FCRA 605B ( c ) ( 1 ), you are required to block this information within 4 business days of receiving a valid identity theft report. This is not optional and does not require furnisher verification. This letter includes the following documentation : police report, government-issued photo ID, Social Security card , proof of address, and full credit report. I am demanding immediate removal of the above items and written confirmation that they have been permanently blocked. Ensure this dispute is routed directly to your fraud department for full legal processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent twice disputes over an account XXXX XXXX  by XXXX XXXX, the account is over XXXX XXXX XXXX by XXXXXXXX XXXX XXXX and should be removed from my credit reporting file but it has not been removed XXXX  has already complied Experian has not.

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 2025-08-02 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-02 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: FL

Complaint narrative:
I am a victim of identity theft and am requesting the immediate removal of fraudulent information from my credit report under FCRA 605B. I did not authorize or open the XXXX XXXX  account ( Account Number : XXXX ) with a reported balance of {$2100.00}. I believe this account was opened by someone with a similar name or address, and it is now negatively impacting my credit. 

Additionally, I did not authorize the following hard inquiries, which I believe are also tied to the identity theft incident : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> I already mailed a full FTC Identity Theft Report and documentation to TransUnion over 30 days ago. However, when I called and spoke to a representative named XXXX, she stated they never received the documents under FILE NUMBER : XXXX. This delay has caused me stress and financial hardship, especially since this fraudulent account was already removed by Equifax and TransUnion, but still remains on my Experian report.

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 2025-08-02 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have this AMEX gift card I bought a while ago it's been activated and still has the money In it but I just can't use it to buy anything I already talked to customer support and they only kept telling me the merchants don't accept it but it says it does

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: AR

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7200.00} XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00}

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 2025-08-02 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App closed my account and refused to refund for a total of : {$4300.00} that I had transferred from my XXXX XXXX XXXXXXXX into my Cash App balance. I notified them that my account had been compromised and I was a victim and fraud and did not authorize this transaction and how could they determine deny me in XXXX day without a full investigation? I uploaded the police/fraud report as their company requested and my claim was denied and they immediately closed my account. Their company previously owed me a settlement from my personal information being breeched and I have yet to receive that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account contains inaccurate information. I do not recognize this account, and it should be removed. I previously disputed it, but the reporting company failed to provide proper verification or documentation. This violates my rights under the FCRA ( Fair Credit Reporting Act ). I am requesting the removal of this inaccurate item from my report. 
I have XXXX hard pulls on my account

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management continues to harass me trying to get me to pay for a debt unlawfully. My consumer rights have been violated. Please Cease and Desist and remove me from your debt collecting tactics! Also remove my information from your files I do not owe your company anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i have incorrect information reported on my credit report that i have been disputing for years the country of riverside child support has to different dates when the case was open that account has been on my report for seven years i want it removed of my credit report false reporting and incorrect information and refusing to remove it when it has reached the statute of limitations

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 2025-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
XX/XX/year>, Amount charged off XXXX I spoke to a representative and they had let me know that I would pay the remaining balance of the vehicle once the vehicle is auctioned off. I also had a voluntary repo and let them pick up the vehicle and the vehicle is in perfect condition when picked up, they told me the balance would only be a couple thousand and now theyre saying I still have to pay the entire loan balance plus an additional percentage on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
FORMAL IDENTITY THEFT BLOCKING REQUEST UNDER FCRA 605B. THIS IS NOT A REINVESTIGATION REQUEST UNDER 611. To Whom It May Concern, This is a formal identity theft dispute submitted under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S. Code 1681c2 ]. I am requesting the immediate and permanent blocking of fraudulent information that was added to my TransUnion credit report without my authorization. I did not open, authorize, or benefit in any way from the following account or inquiries : XXXX XXXX XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ; XXXX ) XXXX  XXXX inquiry dated XX/XX/XXXX ; XXXX ) XXXX  XXXX inquiry dated XX/XX/XXXX. I did not apply for credit from these entities, did not receive any goods, services, or funds, and did not authorize any third party to act on my behalf. These entries are the direct result of identity theft. Pursuant to FCRA 605B ( c ) ( 1 ), you are required to block this information within 4 business days of receiving a valid identity theft report and supporting documentation. To comply with 605B ( b ), I am including the following : 1 ) A police report documenting the identity theft ( qualifying under 603 ( q ) ) ; 2 ) A copy of my government-issued photo ID ; 3 ) A copy of my Social Security card ; 4 ) Proof of current mailing address ; 5 ) A copy of my TransUnion credit report showing the disputed entries. This is not a general dispute under 611. This is a 605B identity theft block request and must be routed to the appropriate compliance or fraud department. Under 605B ( c ) ( 3 ), you are prohibited from reporting this data further. Any failure to fully block this information within the required timeframe or any improper verification attempts with furnishers will be treated as a direct violation of federal law. I expect a written confirmation of compliance. If not resolved, I will proceed with formal complaints to the CFPB and other regulatory bodies, and explore legal remedies as needed.

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