vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: AL

Complaint narrative:
POSSIBLE FINANCIAL INC is falsely reporting on my credit. I have never had any accounts with them. Per my research POSSIBLE FINANCIAL INC 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
I am filing a complaint against Target Card Services/TD Bank USA XXXX XXXX for inaccurate reporting, failure to resolve fraudulent charges, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 

Details : My Target card was stolen on XX/XX/2025. I reported the theft on XX/XX/2025. 

Despite this, a fraudulent charge of {$15.00} posted on XX/XX/2025. 

On XX/XX/2025, I disputed the charge. Target assured me it would be removed and a new card issued, which never happened. 

Instead, Target/TD Bank continued to add interest charges in XXXX and XXXX. 

On XX/XX/2025, they reported the account as 30 days late to XXXX, even though the account was under fraud dispute. 

I requested the account be closed ; they did not honor this. 

On XX/XX/2025, I received their XXXX XXXX ( dated XX/XX/XXXX ). 

To prevent further harm, I paid the fraudulent balance of {$7.00} on XX/XX/2025. 

On XX/XX/2025, I was denied financing for a {$2.00} XXXX business deal due to the XXXX late mark they furnished. 

As of XX/XX/2025, XXXX  still shows the account as open and 30 days late. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FCRA 623 ( a ) ( 2 ) : Failure to correct and update false information.

FCRA 623 ( a ) ( 3 ) : Failure to report the account as disputed.

FCBA 15 U.S.C. 1666 : Failure to investigate and correct billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that can not be assured as fully accurate. These errors have been weighing heavily on me and continue to negatively impact my life. These are already challenging times, and it would be a tremendous help and relief if these inaccuracies are corrected or removed.

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 2025-08-25 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: AZ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-25 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The company 's were claiming that I had a loan with them, SELECT Portfolio and XXXX XXXX XXXX XXXX  Transferred into my account in the year XXXX and had started the loan over. I called XXXX to ask them why did they start the loan over, but they refused to answer. I then hired a XXXX to come in and investigate. XXXX wouldn't cooperate with the XXXX and was caught telling lies to the XXXX. XXXX knew that he was caught in lies so XXXX wrote a letter to the XXXX and apologized for the lies that he had told. XXXX was claiming to have been there since XXXX, but that wasn't true. XXXX transferred SELECT PORTFOLIO into the account XX/XX/XXXX. They're both claiming XXXX. Bank XXXX XXXX said that they was unauthorized, but they never left. I have my Title to my home but they are still trying to claim it. They're using my XXXX even though I have terminated him and they are not supposed to be doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting as of XX/XX/XXXX that I have a collections on my credit report as of XX/XX/XXXX from XXXX landing apartments. These fraudulent accounts and related information were not opened, authorized or initiated by me. Accordingly, I request that Experian and XXXX  take immediate action to block this information from my credit file, as requested under FCRA & 605B. This complaint is submitted pursuant to the Fair Credit Reporting Act, specifically section 605B ( 15 U.S.C & 1681c-2 ), to formally request that XXXX  block from my consumer credit. Under FCRA & 605B the credit reporting agency is required to block such fraudulent information within four ( 4 ) business days of receiving a valid request.

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 2025-08-25 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: CA

Complaint narrative:
This letter serves as a formal complaint and a demand for the immediate removal of several unauthorized hard inquiries from my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and require your full and complete cooperation. I must also emphasize that I require a physical, " wet '' signature from the inquiring parties to validate their authority to pull my credit report. Electronic or digital signatures will not suffice, as this is a matter of verifying a permissible purpose under federal law. 

My client asserts, unequivocally, that the following inquiries were not authorized by them. The presence of unauthorized hard inquiries on a consumer 's credit report is a direct violation of their rights and impacts their creditworthiness without consent. These inquiries must be expunged immediately without requiring verification from the inquiring party, as my clients lack of authorization is paramount. 

The following hard inquiries are unauthorized and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX Under FCRA 604 ( a ), a consumer report may only be furnished in response to a permissible purpose. An unauthorized inquiry clearly lacks such a purpose. Furthermore, under FCRA 609 ( a ) ( 1 ), consumers have the right to obtain all information in their file, and if such information is proven to be unauthorized, it must be removed. Your failure to remove these immediately will be considered a willful noncompliance.

I expect a full investigation and the complete removal of these inquiries from my credit file within 30 days of the receipt of this letter. I require written confirmation of their deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TN

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 explanation
Consumer complaint received 2025-08-25 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: MO

Complaint narrative:
CHARGE OFF : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$590.00}. The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your Account Number XXXX Account Name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
On or about XX/XX/year>, I began receiving collection activity from Radius Global Solutions, who claimed I owed a balance on XXXX XXXX equipment. This alleged debt is false, inaccurate, and in violation of federal consumer protection laws. 

Over XXXX year ago, I returned the XXXX XXXX equipment in question via XXXX  Store in XXXX XXXX, XXXX, as directed by XXXX XXXX. I have receipt records confirming that the equipment was shipped back and delivered. Despite this, Radius Global Solutions has reported a collection account against me to the credit bureaus. 

This false collection entry has lowered my credit score by more than XXXX points, causing severe financial harm, damage to my reputation, and the denial of credit opportunities. Radius Global Solutions is knowingly attempting to collect a debt that is not owed and has failed to properly verify or validate the alleged obligation. 

Violations of Law Radius Global Solutions is in violation of the following federal consumer protection statutes : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692e : Prohibits false, deceptive, or misleading representations in debt collection.

1692f : Prohibits unfair or unconscionable means to collect or attempt to collect a debt.

1692g : Requires debt collectors to provide validation of debts upon request.

1692d : Prohibits conduct that harasses, oppresses, or abuses consumers.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) : Prohibits furnishing information to credit reporting agencies that is known to be inaccurate.

1681s-2 ( b ) : Requires furnishers of information to investigate disputes and correct or delete inaccurate 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 non-monetary relief
Consumer complaint received 2025-08-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Unauthorized/Inaccurate Credit Inquiries Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding multiple unauthorized and/or inaccurate credit inquiries appearing on my credit reports. These inquiries are negatively impacting my credit profile and were not authorized by me. 

Details of the Issue The following inquiries were reported without my authorization : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) Equifax XX/XX/XXXX XXXX XXXX ( three separate inquiries XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX I did not provide consent for these inquiries, nor did I submit applications or have any active business relationships with these companies at the time of inquiry. Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a credit report when a creditor or business has a permissible purpose and consumer authorization. These inquiries do not meet that standard.

Requested Resolution I respectfully request that the CFPB : 1. Investigate and require the credit reporting agencies to r
emove the unauthorized inquiries listed above.

2. Provide written confirmation once the inquiries have been removed.

3. Ensure that my credit reports accurately reflect only authorized and verifiable inquiries.

Supporting Documents Attached Copy of government-issued ID Proof of address ( utility bill ) Copies of credit reports highlighting the unauthorized inquiries Thank you for your prompt attention to this matter. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Unauthorized/Inaccurate Credit Inquiries Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding multiple unauthorized and/or inaccurate credit inquiries appearing on my credit reports. These inquiries are negatively impacting my credit profile and were not authorized by me. 

Details of the Issue The following inquiries were reported without my authorization : TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX separate inquiries XXXX XX/XX/XXXX Stone XXXX XX/XX/XXXX XXXX  XXXX XXXX I did not provide consent for these inquiries, nor did I submit applications or have any active business relationships with these companies at the time of inquiry. Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a credit report when a creditor or business has a permissible purpose and consumer authorization. These inquiries do not meet that standard.

Requested Resolution I respectfully request that the CFPB : 1. Investigate and require the credit reporting agencies to rem
ove the unauthorized inquiries listed above.

2. Provide written confirmation once the inquiries have been removed.

3. Ensure that my credit reports accurately reflect only authorized and verifiable inquiries.

Supporting Documents Attached Copy of government-issued ID Proof of address ( utility bill ) Copies of credit reports highlighting the unauthorized inquiries Thank you for your prompt attention to this matter. Please contact me if additional information is needed. 

Sincerely, 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