vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
XXXX XXXX Refuses to Remove Fraudulent Account Despite Promise to Delete Letter and Full Payment To the Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, CA XXXX | ( XXXX ) XXXX ) for failing to remove a fraudulent account from my credit report, despite multiple disputes and a written agreement to delete the account upon payment. 

Background : An account was reported on my credit report by XXXX XXXX that I did not open or authorize. 
I disputed the account multiple times with the credit bureaus and with XXXX XXXX, clearly explaining that I was not the responsible party and had no knowledge of the account. 
Despite my efforts, XXXX XXXX continued to verify the account as accurate, failing to provide adequate documentation or resolution. 
In an effort to minimize further damage to my credit, I paid the full amount of {$190.00} on XX/XX/year>, using my debit card ending in XXXX. 
I received a Promise to Delete Letter from XXXX XXXX XXXX signed by their representative, XXXX XXXX, stating the account was paid in full and they would delete the account from all credit bureaus immediately. 
As of today, the account remains on my credit report and XXXX XXXX has failed to honor their written promise. 

Violations : XXXX XXXX actions appear to violate multiple provisions under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 611 ( 15 U.S. Code 1681i ) : Failure to reasonably investigate and correct inaccurate or fraudulent account information after a consumer dispute.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Duty to maintain maximum possible accuracy. Continuing to report a disputed account without properly verifying its legitimacy is a violation.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s-2 ) : Furnishing inaccurate information to a credit reporting agency after being notified by the consumer.

Breach of Contract : Failing to uphold the terms of their own written agreement to delete the account once payment was made in full.

Requested Resolution : Immediate deletion of the account from all credit reporting agencies ( XXXX, Experian, and XXXX  ) A written confirmation of the account deletion from XXXX XXXX Investigation and enforcement action from the CFPB for XXXX XXXX deceptive and noncompliant conduct I have attached a copy of the Promise to Delete Letter from XXXX XXXX as supporting evidence. 

Thank you for your attention to this matter. I respectfully request a thorough investigation and prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: NV

Complaint narrative:
I made a purchase using Affirm for a product that arrived damaged. I contacted the merchant and returned the item, following their return process. I was told a replacement would be sent, but after several months of waiting and multiple follow-ups, I never received the replacement product. I filed a dispute with Affirm since I paid for an item I never received, but they denied it, claiming the merchant provided compelling evidence. I was not shown this evidence, and I still do not have the product I paid for. I am now being held responsible for making payments on something I never received, and I believe this is unfair and should be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : RADIUS GLOBAL SOLUTIONS # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by ( XXXX XXXX ) I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland Credit Management is furnishing negative information to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) for an alleged debt. However, Midland is not licensed as a collection agency in the State of Wisconsin, which is required under Wis. Stat. 218.04 to legally collect debts or report such accounts in the state.

I verified through the Wisconsin Department of Financial Institutions ( DFI ) license search that Midland Credit Management does not hold an active license to operate as a collection agency here. I am attaching that evidence.

By reporting derogatory account information to credit bureaus while unlicensed, they are in violation of : FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate or unverifiable information Wisconsin Statute 218.04 Engaging in unlicensed debt collection I have disputed this item with XXXX XXXX and XXXX  and provided documentation showing Midland is not authorized to report debts in Wisconsin. However, the account remains.

I am requesting that the CFPB investigate this company and compel the deletion of the account from all credit reports. Midland should not be permitted to report or collect any debts in a state where they are not legally authorized to operate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-07-22 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: GA

Complaint narrative:
My information was exposed in two data breaches, where my identity was stolen, and fraudulent information is on my credit report. UNDER SECTION 605B, Please delete all fraudulent information from my credit report within 4 days. thank you. The following additional accounts are fraudulent XXXX XXXX XXXX. Opened XXXX, Noticed it XXXX, balance XXXX, account number XXXX. Please delete the following additional INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian, XXXX, and TransUnion for their continued failure to remove fraudulent and inaccurate accounts from my credit report, despite my identity theft report and multiple dispute attempts. These credit bureaus are violating my rights under the Fair Credit Reporting Act ( FCRA ) and must be held accountable for noncompliance. Their failure to investigate and correct these inaccuracies violates 15 U.S. Code 1681i, which mandates a proper reinvestigation of disputes. Additionally, their refusal to remove unverifiable information breaches 15 U.S. Code 1681e ( b ), which requires credit bureaus to maintain accurate consumer reports. Fraudulent & Inaccurate Accounts That Must Be Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  - Experian and Transunion ) Credit inquiry : XXXX XXXX  ( Transunion ) Legal Noncompliance & Reinserted Accounts Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if any of these accounts were previously removed but later reinserted into my credit report without proper written notification within five business days, this constitutes a direct violation of federal law. These failures align with past CFPB enforcement actions against Experian, Equifax, and TransUnion, demonstrating a pattern of negligence and noncompliance. See : XXXX Request for CFPB XXXX I formally request that the CFPB launch an investigation into these clear violations and ensure the credit bureaus are held accountable for their failure to comply with federal laws. If these issues are not resolved immediately, I will be forced to pursue legal action under XXXX XXXX XXXX XXXX and XXXX, seeking statutory damages, punitive damages, and attorney fees for willful and negligent noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX  health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX i received a electronic deposit from social security disability of {$37000.00}. That deposit has cleared and no longer pending. Chase still has my account restricted saying they are investigating activity on my account. They will not tell me what that activity is. There has been no fraud on my account. I initiated all the activity i see on my online banking. I can not use my debit card and they will not let me take cash out of my account which has {$30000.00} posted in my account. My employer is going to run my direct deposit tonight and Chase says i can not access my paycheck and they will probably close my account if they cant finish verifying whatever they want to verify by XXXX. Chase will not tell me what it is that is causing them to shut down my account and not letvme access my money they are preventing me from oaying bills and buying food for my kids. Chase has basically stolen all my money and they say there isnt anything i can do

Company response to consumer: Closed with explanation