vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Computer Credit, Inc.
State: WA

Complaint narrative:
I communicated twice to CCI that I had no outstanding debt and provided proof of my account status with the hospital for whom they were supposedly collecting, and they acknowledged both messages. Via email, they confirmed collections had been stopped and I would receive a letter via USPS regarding my dispute. Instead, I received another debt collection notice weeks later on XX/XX/year> for the same account and amount that was previously discussed ; nothing was sent regarding the disputes. In my prior dealings with them, I've noted that their written communications are not mailed timely. It often takes more than two weeks from the date of the letters for the addressee to receive them, and by the time this occurs, they've already sent out another notice of debt collection with harsher language. Also, the letters are sent in blank, white envelopes with no visible return address, so they could easily be mistaken as junk mail by an unsuspecting person who is being pursued for an already paid debt or isn't aware of an outstanding balance. If not illegal, these practices are predatory and unprofessional. Their second letter, which arrived two days after the first despite being dated weeks apart, stated that the addressee has " neither paid the debt nor made satisfactory arrangements to do so ''. Instead of bombarding individuals with mismanaged communications, CCI should give the addressee an opportunity to respond before they escalate proceedings. Had I actually owed money to a creditor, I would've felt like I'm being harassed by a disreputable scammer instead of a legitimate agency acting as an intermediary to impartially settle an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I believe the account is invalid. RADIUS GLOBAL RESOLUTIONS LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. RADIUS GLOBAL RESOLUTIONS LLC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TN

Complaint narrative:
XX/XX/year> Hello, This is a complaint and dispute request under the U.S. Code ( 15 USC 6802, 15 USC 1681 B, 15 USC 1692 and 18 USC 1028 ) and the Federal Education Rights and Privacy Act. Violations were found in regard to all the accounts listed above. XXXX XXXX XXXX did not consent to, was not asked for permission, or sent a disclosure for permission to access and report XXXX XXXX XXXX credit information from any of the above listed credit accounts in this document to any third party, credit reporting businesses, bureaus, or agencies. Failure to provide proper disclosure is a violation of institution privacy policy, as all businesses and financial institutions must provide clear and conspicuous disclosure to the consumer either in writing or by electronic communication ( 15 USC 6802 and 15 USC 6803 ). These violations can be found with all the credit accounts mentioned within this document and are a breach of consumer rights due to the reporting of the consumers information without permission and lack of fair and accurate reporting using reasonable procedures ( 15 USC 1681, 18 USC 1028 ). In addition to these violations, all accounts reported from XXXX XXXX XXXX XXXX XXXX XXXX, Accounts ending in XXXX ) are being disputed for the breaches listed above as well as a breach of information pursuant to the Federal Education Rights and Privacy Act. Due to the removal of the Department of Education, XXXX XXXX personal information was compromised without authorization. Information regarding the student loan accounts associated with XXXX XXXX XXXX were reported to a third-party vendor without authorization. XXXX XXXX XXXX did not provide any permission for the transfer of debt to a third party, nor the reporting of information related to any debt, which occurred with the accounts related to XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, where XXXX XXXX XXXX information was also reported to and/or transferred to a third party/collection agency without authorization/consent ( 15 USC 1692 ).

It is requested that all credit reports associated with the listed accounts be removed due to the compromise and/ or sharing of information without authorization or providing proper disclosure to the consumer. No information regarding XXXX XXXX XXXX was or is authorized to be transferred to a third party without permission. This document can be considered written instruction that the listed credit accounts be removed from XXXX XXXX XXXX credit report due to the breaches described. 

Thank you for your time and consideration of this dispute/request. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX TN, XXXX Fax Number XXXX ( XXXX ) XXXX Email : 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 2025-04-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 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: WA

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed

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 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest repossessed my XXXX XXXX XXXX XXXX on XX/XX/XXXX in California. They did not send the required written notice of my right to reinstate or redeem the vehicle as required by California Civil Code 2983.2. I only received a single vague text message. I never received any post-sale accounting either. I filed a formal complaint with the California DFPI ( ID : XXXX ), and now they are inaccurately reporting the repossession to credit bureaus, damaging my score by over XXXX points. This is a violation of both state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-18 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-18 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: MA

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 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 2025-04-18 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: LA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Upon reviewing my report, I noticed that one of my accounts is incorrectly showing a late payment for XX/XX/year>. This payment was made on time, and the account has always been in good standing. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information they report is accurate and verifiable. The current reporting of a late payment is incorrect and may unfairly affect my credit score. 

I have attached supporting documentation regarding this account. I kindly request that you investigate this matter and update the account history to reflect that the XX/XX/year> payment was made on time.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. Upon reviewing my report, I noticed that one of my accounts is incorrectly showing a late payment for XX/XX/year>. This payment was made on time, and the account has always been in good standing. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information they report is accurate and verifiable. The current reporting of a late payment is incorrect and may unfairly affect my credit score. 

I have attached supporting documentation regarding this account. I kindly request that you investigate this matter and update the account history to reflect that the XX/XX/year> payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and XXXX XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Request to Update and Correct Personal Information / Remove Inaccurate Data Dear TransUnion/Equifax/Experian I am writing to request a full update and correction of the personal identifying information listed on my credit report. I am also formally requesting the removal of any inaccurate, outdated, or unauthorized personal information that is not directly connected to my identity. 

Below is my correct and verified personal information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX Phone Number : XXXX Email : XXXX Employer : XXXX XXXX XXXX Please REMOVE any and all of the following : Incorrect or misspelled names ( including variations or aliases that are not mine ) Old addresses or addresses I have never lived at Phone numbers or email addresses not listed above Employers not listed above Any other personally identifying information not matching what is provided above This request is being made under the Fair Credit Reporting Act ( FCRA 611 and 609 ), which gives me the right to dispute and correct any inaccurate or unverifiable information on my credit report. 

I have enclosed a copy of the following for verification purposes : A government-issued ID & My W-2 showing the last four digits Please process this request promptly and confirm in writing once my file has been updated. If any further documentation is needed, you may contact me at the email or phone number listed above. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and XXXX XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and XXXX XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-18 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: PA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these 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