vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this accounts is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 account is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd.
State: IL

Complaint narrative:
On XX/XX/2024, I was involved in a traffic accident while driving a rental car. A third-party vehicle dropped large debris onto the highway in front of me. In an effort to avoid a major collision, I maneuvered to avoid the debris and unfortunately collided with another vehicle. The vehicle that dropped the debris fled the scene and was never identified. I was not cited or found at fault by law enforcement. 
XXXX XXXX XXXX, acting on behalf of XXXX XXXXXXXX XXXX XXXX XXXX, later claimed I was liable for damages and demanded payment of {$10000.00}. I sent multiple written disputes and formally requested documentation validating the debt and proving legal liability, including the police report and any evidence supporting their claim. 
Instead of responding to my dispute with documentation or a dismissal, XXXX XXXX referred the alleged debt to collections ( Thomas George Associates , Ltd. ), who then began collection efforts. This occurred without any proof of liability, no judgment, and no valid evidence provided, in violation of my rights under the Fair Debt Collection Practices Act. 
I am requesting that the CFPB investigate this matter, instruct XXXX XXXX and Thomas George Associates to cease collections, and take corrective action.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
On the XXXX of XX/XX/XXXX at XXXX XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX Nativity decoration from XXXX XXXX from XXXX. I was deployed at the time. My wife received the product since I was on deployment on the XXXX of XX/XX/XXXX at our address at the time of XXXX XXXX XXXX XXXX, Ny XXXX. I moved from XXXX XXXX, NY area and purchased my house at XXXX XXXX XXXX XXXX , KS XXXX on the XXXX of XX/XX/XXXX. I do not own any other properties. Towards the beginning of XXXX, I began getting billing statements from XXXX XXXX for the {$210.00}. I ignored the notices at first believing that they were fraudulent. I received notices I was past due every two weeks. On the XXXX of XX/XX/XXXX, I received my final statement from XXXX XXXX before it was sent to collections on XXXX of XX/XX/XXXX. On that date I received a notice in the mail from Radius Global Solutions LLC stating that an account I didnt create ( Acct # XXXX ) was past due and if not paid, it would negatively affect my credit report. I called them immediately upon receipt and informed them that the debt was invalid and to stop contacting me. I provided them a receipt of my purchase from XXXX to XXXX. I contacted XXXX XXXX on the XXXX of XX/XX/XXXX at XXXX to inform them that the debt wasnt valid and to stop harassing me. They admitted that it was fraud between them and the XXXX seller and provided me with only a confirmation number ( XXXX ) and order number ( XXXX ). I told them that this wasn't sufficient evidence that it was me that created the XXXX XXXX account. I proceeded to get an email with the delivery address being my current KS address despite moving here after I made the purchase in XXXX, and a card number that I dont own. XXXX XXXX refuses to close the fake acccount despite admitting that the account is fraudulent.

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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Hanwha QCells USA Corp
State: LA

Complaint narrative:
XXXX. Solar panels were installed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA. 
XXXX XXXX XXXXXXXX XXXX source of transation Panels that are installed do not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this formal complaint as a victim of identity theft. There is a fraudulent eviction reported under my name in public records and tenant screening databases, which I never authorized, agreed to, or had any legal connection to. The eviction stems from the following case : Case Number : XXXX Filing Date : XX/XX/XXXX Court : Justice of the Peace Precinct # XXXX, XXXX XXXX XXXX TX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Listed in Case : XXXX XXXX XXXX XXXX XXXX, TX XXXX I did not reside at that address, nor did I have any rental or financial agreement with the plaintiff or any associated party . I filed a police report in XX/XX/XXXX, along with an FTC Identity Theft Report, confirming I am a verified victim of identity theft. 

This fraudulent eviction is negatively affecting my ability to secure housing and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies like LexisNexis are required to block fraudulent items within four ( 4 ) business days of receiving identity theft documentation. 

Despite providing a full police report, FTC report, proof of my current identity and residence, and a written dispute letter, LexisNexis has not removed this inaccurate public record. Therefore, I am requesting the CFPBs intervention to ensure this matter is investigated and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood closed my account and initially sent an email that only gave me 24 hours to respond a few months ago. I saw the email a couple of weeks later and reached out to receive the documents again and was told they would no longer support the account. 

I thought it may have been an oversight or misunderstanding of my ask, however, I reached out again and receive the same system generated email. Robinhood does not provide a call in number to support and speak with a customer service rep.

I went online and realized this is a common business practice that Robinhood consistently adheres to by not returning funds on closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my second complaint submitted to the CFPB regarding this issue.I noticed an account from XXXX XXXX being reported on my credit file that does not belong to me. I immediately filed disputes with all three major credit bureaus : XXXX, Experian, and XXXXXXXX XXXX XXXX XXXX completed their investigations and removed the account from my credit report. However, Experian continues to report the account, despite multiple disputes and no proof that the account is mine. I have requested documentation and a proper investigation from Experian, but they have not provided any verification or removed the inaccurate account. This is now the second time Ive had to involve the CFPB to get this issue resolved. I believe Experian is abusing its dominant market position, operating in a manner that resembles a monopoly. Consumers have no meaningful choice or alternatives, yet we are forced to rely on Experians services, often without transparency or recourse. This lack of competition, combined with a pattern of noncompliance and disregard for legal obligations, results in real harm to consumers like myself.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Company : XXXX XXXX XXXX Issue : Incorrect or missing account information Description : I have an active auto loan with XXXX XXXX XXXX since XX/XX/XXXX. I have made all payments on time, but my credit report only shows activity until XX/XX/XXXX. No payment history is reflected from XX/XX/XXXX through XX/XX/XXXX. 

I called XXXX XXXX XXXX, and they refused to assist or investigate. They simply told me to dispute it, despite the fact that they are responsible for accurately reporting data. 

I am requesting CFPB assistance in getting this auto loan payment history accurately reported to all three credit bureaus ( XXXX  TransUnion, 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of XXXX theft and identity theft in XXXX moved in a complex that provided internet services inclusive the lease and I was not able to opt out of the community internet services provided. I moved in on XX/XX/year>, after moving in I noticed that it was suspicious activity on devices that were connected to the assigned to my apartment. I immediately reported this to the property XXXX and according to her ( XXXX ) the only thing that was able to be done was resetting the password and resending it via email. After about XXXX rounds of this practice I reached out personally to the provider ( XXXX XXXX ) was informed that since this was a bulk/business acct and not residential ( allowing me autonomy to service and inquire of my services ). informing her of this was met with dismissal and continued responses of " They don't do that ''. 

The situation continued, growing in cyber crimes and acts leading to the unlawful entries in my home and car on the property. finally after several complaints, I was able to file a police report of the entering of my XXXX XXXX identity documents of me my son, my late sister and both late parents were taken and POAs in addition to a sleuth of personal property of all of them, massive items belonging to myself and child were stolen with home goods.. 

XXXX of 2023 I received confirmation that my information was compromised and taken from my employers database, an employer from XXXX. My full name, XXXX and SS were involved and the info was reported to law enforcement per transunion cycberscouts dept ; the incident happened on XXXX. although I presented the details to the leasing office with the police report, she stated that I would need to file a claim with my renters insurance for the property and still nothing she can do. As advised, I filed the claim ; shortly after ejected from my XXXX XXXX to being unable to access any of my own data due to compromised data and the changing of email addresses and phone numbers preventing verification of my own identity. 

I contacted the credit reporting agencies and they failed to help or block any and all negative items that appeared as a result in those years to XXXX current. I completed the FTC report and froze my credit bureaus data, of which I cant unfreeze or access. As a result of the crime being cyber led, I was not able to retrieve any receipts that were mailed to the my email address for XXXX decades.

Company response to consumer: Closed with explanation