vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had a XXXX XXXX XXXX that was stolen and caught on fire .Progressive paid vehicle off and left {$2900.00} approx. XXXX insurance did not cover the remainder balance due to the remaining balance being left for payment relief on vehicle several times. Contacted in XX/XX/XXXX to see what I could do about the balance owed. Representative stated {$350.00} could be paid monthly until balance paid off with no more late fees or reports to credit bureaus. Paid payment in XXXX XXXX and XXXX. For XXXX not able to access account online anymore to make payment. Contacted XX/XX/XXXX and not able to get ahold to anyone for over XXXX hours. Every time you call you can never get to the right department. After waiting several hours was instructed to make payment on phone and it would not go threw it says account number is no longer valid. Called XX/XX/XXXX XXXX about settlement offer no one could get me a clear answer. I can never get to the loan department for vehicles and most end up hanging the phone up. I want to resolve this issue and offer settlement since it is already in collections which Truist stated they have their on collections department I can never get ahold of. I have XXXX car payments I make monthly already I can not afford to pay on a XXXX that is no longer around been stolen and theft and arson.

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 2025-07-01 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 am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I hereby complain to the following alleged debt listed below in its entirety. I have requested verification of the alleged debt specifically copies of the original purchase agreement from the original creditor to no avail. The companies listed below have not deleted the following accounts. I have disputed these XXXX negative accounts that appear on my credit reports as collections from XXXX  and XXXX. Despite multiple disputes, my disputes have gone ignored and unresolved. These accounts continue to report without proper validation, and without listing the original creditor in several cases, which violates the Fair Credit Reporting Act ( FCRA ), and I have had several different companies reach out to me about the same alleged debts. 

XXXX XXXX XXXX / XXXX XXXX {$1300.00} : I have disputed this account several times. No documentation has been provided to validate the debt. It remains on my credit reports without original purchase contract or any verification, therefor this account is inaccurate XXXX XXXX ( Credit Card ) {$710.00} : The account is inaccurate and should be deleted. I have not received any breakdown or proof of how the reported amount was calculated. Also this account is closed/charged off yet continues to show up as a collection, therefore inaccurate reporting. 

XXXX XXXX XXXX {$1300.00} and {$1100.00} : These XXXX separate collection accounts are reporting without listing an original creditor. XXXX is marked as disputed ; the other shows no evidence of investigation. They appear duplicative, unverifiable, inaccurate and continue to harm my credit. 

These accounts are being reported in violation of FCRA Sections XXXX ( b ) ( accuracy and reasonable procedures ) and XXXX ( requirement to delete unverifiable information ). I request that the CFPB compel the companies involved to either verify these debts with proper documentation or delete the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NV

Complaint narrative:
In XXXX I signed up for direct deposit with XXXX XXXX and my next to months of checks went on the card but they won't let me access my funds. They say they can't verify my identity and I sent them a valid real Nevada State ID, birth certificate and social security card and they still can't verify me they said. They won't release my funds back to SSI. Social Security tells me there's nothing they can do so my money is just stuck on this card. I don't know what to do? Social Security verified my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: UT

Complaint narrative:
I have a report on my credit statement for a student loan that tanked my credit score but it is NOT a student loan. I have attachments from my XXXX  portal showing I have no loans and then I have an image from my community college payment history with an amount that matches exactly what is on my report but it was a grant not a loan. Ive never taken a student loan ever

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-01 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 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 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 2025-07-01 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 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 2025-07-01 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: OneMain Finance Corporation
State: NY

Complaint narrative:
This letter serves as a formal dispute of unauthorized credit inquiries made by OneMain Financial, which appear on my credit report dated XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these inquiries, nor did I initiate any credit application with your company on or around those dates. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 1681s-2, it is unlawful to obtain or report consumer information without permissible purpose or valid consent. These inquiries were made without my knowledge or authorization, and their presence on my credit report is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX  year XXXX all accounts forgot amount called and they hung up on me XXXXXXXX XXXX XXXX {$500.00} hey hung up, they are paid in full but still reporting well Fargo XXXX I disputed charges and they were left on my account only to go to collections. 

XXXX  doesn't show my credit report it always an error XXXX  cant login in I called serval times they wont fix the problem XXXX XXXX XXXX XXXX Lien expiration date XXXX {$1000.00} they still reporting on my credit I'm also trying to get a car loan and every bank wont every time i try the bank say fraud no bank will give me a loan because of that I'm me i showed my ssn card my ID which i believe someone else is using it by picture I'm not commiting fraud although I know my daughter is uses my name to get cable and that still reporting on my credit report and i live in texas i called XXXX XXXX times yet they still reporting on my credit report enough is enough I need help a lot of the things reporting are old and need to come off my report. I need my life back i cant open an bank account, cant by a car, cant get a home this has stop im tired of being homeless due to to someone else short comings. 
Please help me fix this.

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 2025-07-01 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-07-01 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing to demand the immediate removal of an unauthorized hard inquiry that has appeared on my credit report. I did not authorize this inquiry, I never gave written or verbal consent, and there is no permissible purpose for it to be there under the Fair Credit Reporting Act ( FCRA ). 

This is a direct violation of my rights. Let me be clear : I did not initiate any application, request, or transaction that would justify this inquiry, nor was I informed about it. Whoever accessed my credit file did so without my knowledge or approval, which is completely unacceptable. 

Under the FCRA, a credit inquiry can only be made with clear, documented authorization and for a legitimate, permissible reason. This inquiry fails to meet those conditionsand therefore it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

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 Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX NY XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: UT

Complaint narrative:
I contacted Radius on XX/XX/XXXX via telephone and customer rep XXXX told me Radius will not send me a purchase agreement between XXXX to Radius. On XX/XX/XXXX I sent them a letter and ask for validation and verification of debt, Including purchase agreement, forward flow agreement, chain of assignment, insurance claim of debt and my wet signature on original agreement with T-Mobile for {$110.00} claim. 
I have asked 3 times since XX/XX/XXXXXXXX  for a validation under usc 1692 ( g ). They need to explain what method and factual evidence was used to validate the debt in the past

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 2025-07-01 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: TX

Complaint narrative:
It is incredibly distressing to see false, incorrect, and inaccurate information reported under my name. Ive worked hard and lived honestly, yet my credit report tells a different storyone that is harming both my financial stability and peace of mind. As a consumer, I know I have rights and protections under the law, but this ongoing situation makes it feel like those rights are being ignored. 

These errors have made it nearly impossible to move forward, as I continue to be denied credit and forced to live paycheck to paycheck. I need your help to set this right.

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 2025-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are fraudulent inquiries on my credit report tied to applications I did not submit. I did not authorize these companies to access my credit file, and I do not recognize the inquiries. As a result, my credit score has been negatively impacted. 

I contacted the credit bureau, and a representative assured me these inquiries would be removed. However, they still remain on my report, causing ongoing and unnecessary stress.

Company response to consumer: Closed with explanation