vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
The status shown does not reflect my verified 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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Radius Global Solutions LLC

Complaint narrative:
On XX/XX/XXXX I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for six weeks. During this time my bag, XXXX, XXXX XXXX and wallet were lost and never recovered. When I regained consciousness I learned that criminals had taken control of my password vault and accessed my XXXX XXXX bank accounts and credit cards. Lawenforcement officials and XXXX confirmed that an organized fraud ring was involved. I immediately notified more than 25 institutions about the identity theft. Other companies resolved the fraud quickly, but XXXX XXXX handling has been disorganized and contradictory. Creditcard fraud ( Claim # XXXX ) Fraudsters used my XXXX XXXX credit card to take cash advances and deposit them into my checking account. XXXX XXXX reversed the purchase transactions but denied the cashadvance fraud claim. Debitcard fraud ( Claim # XXXX ) Three unauthorized withdrawals totaling {$6900.00} were made in early XX/XX/XXXX. On XX/XX/XXXX the debitcard department credited {$6900.00} to my checking account, acknowledging the fraud. They told me not to move the funds because it might confuse the investigation. ACH fraud ( Claim # XXXX ) Unauthorized ACH withdrawals totaling {$7500.00} were made on XX/XX/XXXX, XXXX and XXXX XXXX. The ACH department credited {$7500.00} back to my checking account on XX/XX/XXXX, again confirming the fraud. Like the debitcard department, they could not tell me what to do with the money. Onlinebanking fraud ( Case # XXXX ) Several unauthorized online transfers were made using my credentials. For weeks I repeatedly asked various XXXX XXXX departments how to handle the {$14000.00} in credits sitting in my checking account. Representatives told me to wait. Meanwhile, the creditcard department continued sending me latepayment notices and adding interest on the fraudulent cash advances. On XX/XX/XXXX, after more than a month of confusion, an ACH agent advised me to transfer the {$7500.00} and {$6900.00} credits back to the credit card to pay the outstanding fraud charges. I followed that instruction. Despite this, XXXX XXXX still insists the cashadvance charges are legitimate. As of XX/XX/XXXX, {$2400.00} in cashadvance charges and late fees remains on my credit card. Each department I spoke with ( online fraud, debitcard, ACH, creditcard ) agrees the downstream transactions were fraudulent, but none has authority to reverse the core cashadvance charges. Some even claim Im still using the original devices, which is impossible because my XXXX and XXXX were never recovered from the accident.

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 2025-12-08 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: MA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-08 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: WI

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting false, impossible, and misleading information on my credit reports. The account was closed in XX/XX/2020, yet the company continues to report data that is not accurate, not verifiable, and violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : XXXX. XXXX XXXX is reporting an impossible balance of {$5200.00}. 

The credit report clearly shows : Highest balance ever owed : {$720.00} Reported current balance : {$5200.00} It is not mathematically or legally possible for a closed installment loan with a {$720.00} maximum balance to grow to {$5200.00} XXXX years later. This is inaccurate and violates : FCRA 607 ( b ) accuracy requirement FCRA 602 ( A ) fair and clear reporting XXXX. The report displays a nonsensical and misleading notation : $ 622 % of loan paid off. 

This appears to be a mis-coded field or system error. 
It is confusing, inaccurate, and misleading to lenders and violates : FCRA 607 ( b ) accurate presentation of data FCRA 602 clarity and fairness requirements. 

XXXX. XXXX XXXX appears to have reported late payments AFTER the account was closed. 

The account was reported closed in XX/XX/2020, yet late payments continue to appear after this date. 

This is illegal because : A closed/charged-off account can not continue to accumulate new late payments. 
This violates FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate.

It also suggests possible illegal re-aging of the account, violating FCRA 605 ( a ). 

This can extend the damage to my credit file beyond the allowed XXXX reporting period. 

Impact on Me : These false and inflated figures have : Lowered my XXXX score Affected my ability to obtain credit Presented a misleading financial picture to lenders Caused unnecessary emotional and financial stress What I Have Already Done : I have sent dispute letters to the credit reporting agencies requesting correction or deletion. 
However, the incorrect data remains and continues to change, which shows ongoing inaccurate reporting by 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 2025-12-08 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: HI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the accounts shown, as I did not authorize or open them. Please examine this matter carefully and delete them if verified as inaccurate. Attached are documents to help with your assessment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Request for Debt Validation Account Number : To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is not a refusal to pay, but a request that you provide complete verification of the alleged debt before I take any further action. Until this information is provided, you must cease collection activities and remove any negative credit reporting related to this account.

Under federal law, please provide the following : 1. Proof that I am legally obligated to pay this debt, including A signed original contract or agreement Documentation showing the chain of ownership if the debt was sold 2. A full accounting breakdown, including : Original amount Interest, fees, and how they were calculated Payments applied 3. Proof that your agency is authorized to collect in my state, including : Your state license number Your registered agents address 4. A copy of the original creditors itemized statement showing how the balance was determined.

5. Verification that you have not reported inaccurate information to any credit reporting agency. If you have, please remove the account until the debt is fully validated. 

If you can not fully validate this debt within 30 days, or if the requested documentation can not be produced, you must : Cease all collection activity, Delete this account from my credit reports, and Send written confirmation that the account has been permanently closed. 

Please communicate in writing only. 
I request that you send all responses to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: HI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-08 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: TN

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IN

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please assess the documents ; the inquiries were unanticipated and may not have been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Multiple accounts Victim of identity theft by a family member Was even told by financial institution that they couldnt ve sure I wasnt " in on it '' by the family member whom committed this crime I have suffered for years about this, its effected my ability to support myself financially as well as my children I havent been able to secure housing ( mortgage or rent ) Meanwhile the famiky member whom I have no contact with obtained a car loan and a mortgage for a home of her own in 2023 I have tried eveeything to improve my credit and have even filed bankruptcy before in effort to not press charges on her Companies are refusing to help me not be victimized anymore and are refusing to remove items on my report that are either not mine or reporting them as open accoutnsbwhen they arent open, are over 5 years old and are closed and charged off and the amounts and dates are wrong on multiple accounts wirh different banking or financial institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: WA

Complaint narrative:
I have looked at my Transunion report and found that these items are incomplete and inaccurate. Transunion indicated that they received this information from your organization. This has violated my rights and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). I looked at my credit report and found that the specific accounts were inaccurate : XXXX XXXX XXXX XXXX  Docket Number : XXXX and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: AZ

Complaint narrative:
The late payment information reported on several of my accounts appears to be incorrect. I did not receive notice of any missed payments, and the dates being reported do not match what I was provided by the companies. I am requesting verification of the late payments, including dates and supporting documentation. If the companies can not validate the accuracy of the information, I request that the late payments be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This emotional toll has been extremely overwhelming. I have lost sleep, felt constant anxiety, and even experienced the embarrassment of being denied housing opportunities because XX/XX/XXXX is reporting an account that I do not believe belongs on my credit report. This has negatively impacted my family and my ability to provide safe and stable housing for my childrenXX/XX/XXXXXXXX has engaged in unjustifiable and prohibited practices under the FDCPA and FCRA. This account was furnished without a valid agreement or contract between myself and any original creditor that authorizes XXXX to collect or report this debt. A legal contract must be signed by two parties, and I did not sign or agree to any financial obligation with XX/XX/XXXX.Additionally, XXXX failed to provide proper validation as required. They did not follow the complete validation procedure nor did they provide documentation proving ( 1 ) my liability, ( 2 ) the accuracy of the amount, ( 3 ) the itemization of the debt, or ( 4 ) their legal right to collect or report this account.By continuing to report an unvalidated, inaccurate, and unverified debt, XXXX is violating my rights under the FDCPA and FCRA. Their actions have caused emotional distress, financial hardship, and damage to my personal and professional opportunities. 
According to federal law, I am entitled to relief for these violations. I am requesting that XX/XX/XXXX immediately remove this account from all credit reporting agencies and cease all future collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am submitting a complaint to the CFPB regarding Experians failure to resolve my dispute and remove inaccurate addresses from my credit report. Despite submitting multiple disputes, the following addresses continue to appear, which are either incorrect or not mine : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX and XXXX XXXX XXXX, XXXX, NJ XXXX. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) for failure to ensure maximum possible accuracy and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) for failing to properly investigate and correct these inaccuracies. I am demanding immediate removal of these addresses and a correction to my file with my actual address, XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX. This has gone on far too long, and I expect resolution within 15 days or I will take legal action for 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
In XXXX my vehicle was taken from a city st and repossessed for back payment of {$2700.00}. I paid the amount and reinstated my loan and got my car back then a few days later received information that the vehicle was charged off and it was reported on my credit as charged off.

Company response to consumer: Closed with explanation