vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
These accounts have no relation to me ; remove them within XXXX  days per USC 1681g.

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 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC Systems added collection accounts to all three reporting agencies BEFORE contacting/notifying me via mail or phone. I did not receive the written validation/notice required by 15 U.S.C. 1692g ( a ) ( FDCPA ) within XXXX days of their first communication, prior to furnishing this tradeline to the credit reporting agencies. Furnishing the tradeline to Experian, Equifax, and TransUnion without first providing me the statutorily required written notice and while failing to provide verification upon my dispute constitutes violations of FDCPA 1692g ( a ) and FCRA 623 ( a ) ( 1 ) ( A ).

They've also failed to validate the alleged debt by providing the complete, signed documentation proving their right to collect, including : XXXX. The original signed contract or credit application containing my signature ( if an ) XXXX. A complete chain of assignment from the original creditor through any transfers to XXXX XXXX and IC System XXXX. An itemized account ledger showing the calculation of the alleged balance ; XXXX. Proof that IC System mailed the FDCPA 1692g ( a ) notice to me ( copy of the mailed notice with XXXX tracking or equivalent ) ; and XXXX. A certification signed under penalty of perjury that the information IC System furnished to each credit bureau is true and complete

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 2025-11-07 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: NY

Complaint narrative:
I am submitting this formal complaint regarding inaccurate personal information appearing on my credit report. My credit file is showing the following incorrect address that I have no connection or association with whatsoever : XXXX XXXX XXXX, NY XXXX Wrong Address I have never lived at, used, or been associated with this address in any way. The inclusion of this incorrect address is a serious violation of the Fair Credit Reporting Act ( FCRA ), as it represents inaccurate and unverifiable personal information. This error can potentially lead to identity confusion, improper credit reporting, or even identity theft concerns. 

I have already disputed this information with the credit bureaus, but the incorrect address remains on my report. This demonstrates that the credit reporting agency has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i.

I am requesting that the CFPB investigate this matter immediately and ensure that : The incorrect address listed above is permanently deleted from my credit report ; and The credit reporting agencies provide me with written confirmation of this correction. 

Please take appropriate action to ensure my consumer rights are protected and that my credit report reflects only accurate, verifiable, and truthful information. 

Thank you for your attention and assistance in resolving this matter.

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 2025-11-07 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: PA

Complaint narrative:
XXXX XXXX # XXXX,,.. 
is illegally reporting this re-aged account that is too old to be reporting on my credit files. 
This company is reporting a false Date of First Delinquency of XX/XX/XXXX. This is inaccurate as they are reporting a Date of Last Activity as XX/XX/XXXX and a date closed in XX/XX/XXXX. This makes no sense and is a clear violation of 15 USC 1681e ( b ) to begin with. 
I am forwarding screenshots as well. I demand this tradeline be removed immediately or I may seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I am formally requesting that the following disputed items on my TransUnion credit report be investigated and corrected. These errors involve incorrect account reporting and unauthorized inquiries, which I am disputing in accordance with my rights under the Fair Credit Reporting Act. 

Charged Off Accounts XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$170.00} The account reported under this name is inaccurate. Please provide all supporting documentation that validates this charge-off, including the original creditor and payment history. 

XXXX, XXXX, XX/XX/XXXX, XXXX : {$0.00} This account was paid in full, and I dispute the reported balance. Kindly verify the accuracy of this balance and provide proof of payment, if applicable. 

XXXX XXXX, XXXX, XX/XX/XXXX, XXXX : {$590.00} This account is incorrectly reported. I request validation of this charge-off, along with detailed supporting documents proving the legitimacy of this debt. 

XXXX XXXX, XXXX, XX/XX/XXXX, XXXX : {$1300.00} The reported balance does not align with my payment records. I request that the credit reporting agency verify the debt and provide proof that the balance is accurate and justifiable. 

XXXX / XXXX, XXXX, XX/XX/XXXX, Balance : {$180.00} This account is inaccurate. I am requesting full verification, including supporting documentation from the original creditor to clarify the balance and status of the account. 

Inquiries XXXX  XXXX, XX/XX/XXXX This inquiry is disputed. I did not authorize it and request proof of my consent. 

XXXX  XXXX, XX/XX/XXXX This inquiry is also disputed. Please verify and provide evidence that I authorized this credit check. 

Late Payment XXXX  XXXX XXXX, XXXX I dispute the late payment listed here. Please investigate and provide documentation proving the accuracy of this payment history.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information that continues to be reported on my credit file despite a previous dispute and lack of proper verification. Under the Fair Credit Reporting Act ( FCRA ) 611, I requested that the credit reporting agency and the data furnisher conduct a proper reinvestigation and provide documentation verifying the accuracy of the reported account.

However, no supporting documentation or validation was provided to confirm the accuracy of the account. The information remains unverifiable and therefore must be deleted as required by law. I have made good faith efforts to resolve this matter directly with the credit bureau ( s ), but the inaccurate item is still being reported, negatively affecting my credit profile and causing financial harm.

I am requesting that this unverified and inaccurate information be permanently deleted from my credit report in compliance with FCRA 611.

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 2025-11-07 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: TN

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a domestic wire transfer through Bank of America in the amount of {$11000.00} to a company I am working with for a time-sensitive business transaction. The funds needed to arrive within XXXX hours, which is why I used a wire transfer instead of a regular ACH payment. 
However, the wire was not processed as expected. I received no notification from Bank of America about any delays or holds. On XX/XX/year>, I called the bank and was informed that the wire had been placed under compliance review. I was not asked to provide any additional information, verification, or clarification regarding the transaction. 
I then spoke with the Wire Transfer Investigation Department, who stated that the case had been escalated, but they could not provide : A reason for the hold, A timeline for release, or Any next steps required from me. 
This lack of communication has resulted in the wire funds being held for over XXXX hours with no explanation and no resolution. The delay is causing financial harm to my business, as the receiving company is now unable to proceed with the scheduled work due to non-payment, even though the funds were available and I followed the proper wire procedure.

I am requesting : Immediate review and release of the funds, and A clear timeline and contact for the person handling the review.

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 2025-11-07 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-07 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
As you can see from my activity with CFPB, I have submitted complaint after complaint to American Express through CFPB complaint system to right this wrong. XXXX complaints all together regarding numerous TILA violations with no favorable response. 
I sued American Express in XXXX  Small Claims Court ( Case No. XXXX ). Amex failed to appear DEFAULT JUDGMENT entered XX/XX/year> for {$4700.00} ( damages + interest + fees + service costs ) due to non-appearance. 
I sent a demand letter to American Express directly to XXXX XXXX, XXXX & XXXX XXXX on XX/XX/year> via email. XXXX was the individual that tried to get me to settle the matter when they were sued. There has been no response thus far. 
Amex has NOT paid the {$4700.00} final judgment despite it being enforceable as of XX/XX/year>. 
I filed a Motion to Reconsider for TILA-mandated remedies- {$500.00} documented attorney consultation fee ( invoice attached ) - Statutory damages up to {$5000.00} ( 15 U.S.C. 1640 ( a ) ( 2 ) ( 3 ) ) Judge denied motion to reconsider on XX/XX/year>, citing only state law ignoring TILA preemption. 
I filed Writ of Mandamus with XXXX  XXXX ( XXXX, filed XX/XX/year> ) to compel TILA compliance. 
American Express continues refusal to pay the {$4700.00} final judgment of XX/XX/year>. 
Relief Requested : XXXX. Force Amex to pay {$4700.00} judgment immediately XXXX. Correct whatever has been reported to credit bureaus XXXX. Pay mandated TILA statutory damages as outlined in motion to reconsider XXXX. Reimburse {$500.00} attorney consultation fee mandated by TILA Attachments/Complaints on File : XXXX. Complaints on file with CFPB XXXX. Default Judgment ( XX/XX/year> ; included in motion to reconsider ) {$4700.00} XXXX. Motion to Reconsider ( Filed XX/XX/year> ) XXXX. Court Minutes XXXX XX/XX/year> ) judge reviewed & aware of TILA statutes XXXX. Writ of Mandamus filed XX/XX/year> ( XXXX ) I request CFPB investigate and enforce TILA + judgment compliance. 
-- - XXXX XXXX : XXXX XXXX XXXX, XXXX. Address : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Phone : XXXX Email : XXXX, Account # : XXXX XXXX XXXX XXXX XXXXXXXX. 

SUPPORTING DOCUMENTS TO FOLLOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
I am writing to formally dispute certain items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the accounts in dispute, separated by each credit bureau. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, Balance : {$910.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$36000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$770.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$720.00} INQUIRIES XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX Radius Global Solutions, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Re : FORMAL DISPUTE OF ALLEGED DEBT / VALIDATION REQUEST / CEASE & DESIST Account No : XXXX To Whom It May Concern : This notice serves as a formal dispute of an alleged debt your company claims I owe. I am also issuing a full cease and desist demand regarding all future communication. Your company has failed to provide proper validation as required by law. Instead, a computer-generated document was sent with no applicable signature, no contract, and no verifiable proof that I owe any debt. This does not meet legal debt validation requirements. 
FDCPA 15 U.S.C. 1692g ( b ) clearly states : The debt collector shall cease collection of the debt until the debt collector obtains verification of the debt At minimum, proper validation requires : A copy of the original contract with my signature ( wet ink or electronic ), Proof of assignment or ownership of the alleged debt, Full accounting and itemization of the amount claimed. 
Since you failed to verify the alleged debt, continuing to attempt collection or report this account to any credit reporting agencies violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) including, but not limited to : FDCPA 1692e False or misleading representations FDCPA 1692f Unfair or unconscionable means of collection FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate or unverifiable information FCRA 623 ( a ) ( 3 ) Duty to not continue reporting information that is disputed Because you have failed to validate this account, you are required to immediately : Cease all collection activity AND Delete the account from all credit bureaus. 
If this matter is not resolved, I will proceed with complaints to the CFPB, FTC, SC Attorney General, and consider civil action for statutory damages under both FCRA and FDCPA. This letter serves as documented evidence that you were notified of your violations. 
Cease and desist all communication with 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email from Experian stating " Good News XXXX : your XXXX SCORE increased. Congrats on a rising XXXX SCORE. You deserve to celebrate, XXXX : Your FICO Score went up recently! It takes hard work to improve your credit score-and you're making great progress. It has a button that says " See Your score. 

On XX/XX/XXXX I logged on to experian.com website to view my score, and to my disappointment, it is still showing the same score since XXXX. 

I find their business practices to be very suspicious. They dropped my score over XXXX points for a charge off of {$790.00} from XXXX that the company did not send to my email address. I tried disputing with Experian and XXXX but was unsuccessful. Mind you I leased a car for XXXX  months and was never late. Because of this, my score has not rebounded from the XXXX. 

The added insult after having and excellent credit history is telling me they raised my score when they in fact did not. 

This is impacting me from getting a decent interest rate/ apr for a house. I have been waiting for them to increase my score so I can get a decent mortgage. Please help 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 2025-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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