vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I am filing this complaint due to materially inaccurate and outdated credit reporting by XXXX XXXX, as well as their refusal to correct known errors. XXXX XXXX is currently reporting XXXX collection XXXX XXXX XXXX ( {$660.00} ), XXXX XXXX I ( {$390.00} ), and XXXX XXXX XXXX ( {$250.00} ) that were removed from my credit report months ago and do not appear on my official Equifax credit report. I have spoken directly with Equifax customer service, and Equifax has confirmed that my credit report accurately reflects XXXX collection accounts and that these items have already been deleted. Despite this confirmation, XXXX XXXX continues to display these collections, which indicates that XXXX XXXX is reporting an outdated and inaccurate version of my credit file rather than current data from Equifax. When I contacted XXXX XXXX to correct this issue, I was informed that they can not change or update what appears on my XXXX XXXX file, even though the information they are reporting is incorrect and no longer valid. XXXX XXXX refusal to correct verified inaccuracies and continued display of obsolete data is misleading and harmful. XXXX XXXX presents itself as a credit monitoring and reporting service, yet it is knowingly reporting outdated and inaccurate credit information and refusing to take corrective action after the data furnisher ( Equifax ) confirmed the correct status of my report. This raises serious concerns regarding compliance with the Fair Credit Reporting Acts requirement to maintain reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MN

Complaint narrative:
I PULLED MY CREDIT REPPORTS FROM XXXX AND NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: MN

Complaint narrative:
I PULLED MY CREDIT REPPORTS FROM XXXX AND NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME.

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I paid off my auto loan, but the lien release for my Lexus has not been provided. 

Since XX/XX/year>, I have contacted the company multiple times by phone and visited the dealership in person. I was repeatedly told the lien release was sent or would be sent shortly, but nothing was received. 

The dealership confirmed that no lien release for the Lexus was received. The company successfully sent a lien release for another vehicle, but failed to send it for this one. 

As of today, I still have not received the lien release, tracking information, or any written confirmation. This delay prevents me from transferring the title and completing XXXX registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CT

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several items listed on my credit report. Below are the details of the accounts that I am disputing : CHARGED OFF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$6000.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$3700.00} LATE PAYMENTS : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-28 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: WA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing a complaint against RADIUSGLOBAL for multiple violations of the Fair Debt Collection Practices Act related to an account they are reporting on my credit report. The account is XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$760.00}. I contacted the original creditors directly, and the original contract do not support or match the amount RADIUSGLOBAL is reporting. Despite this, RADIUSGLOBAL continues to furnish this inaccurate account to the credit reporting agencies. In addition to inaccurate reporting, RADIUSGLOBAL has engaged in harassment and intimidation by threatening legal action on these alleged debts. Threatening suit while reporting unverified and inaccurate balances is misleading and unlawful. RADIUSGLOBAL has also failed to provide proof of assignment, chain of title, or proper debt validation as required under 15 USC 1692g. Without this documentation, they can not establish ownership of the alleged debts or their authority to collect or report them. As a third-party debt buyer, RADIUSGLOBAL did not extend credit to me and did not suffer any actual loss. They are not the real party in interest and therefore can not enforce the original contracts, claim contract interest, assess fees, or pursue breach of contract damages. Attempting to do so constitutes misrepresentation of the amount owed, false claims of ownership, and attempted collection of amounts not authorized by contract or law. Based on these violations, I am demanding the immediate removal of this account from my credit report. If RADIUSGLOBAL continues to report this account, I reserve the right to pursue all available remedies, including legal action for violations of federal law. I am requesting CFPB assistance to ensure these unlawful collection and reporting practices are stopped and that this account is permanently removed from my credit file. FDCPA & FCRA violation

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : Sunrise Credit Services Account Number : XXXX  Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be verified within 30 days.

Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA. 
Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law. 
Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights.

Applicable Laws 15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within 30 days.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported. 

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken.

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 2025-12-28 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: GA

Complaint narrative:
The following items are fraudulent and does not belong to me. I disputed the items and they were removed and was recently placed back on my report. 

XXXX XXXX  # XXXX XXXX XXXX # XXXX. XXXX 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I disputed charges from XXXX XXXX and XXXX because they charged my account without authorization and I need my money to pay my bills Im behind on bills because of this and I need it to be refunded to me asap! I never use XXXX XXXX and dont know how the got my account information to steal my money

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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : LVNV Funding LLC Account Number : XXXX Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be verified within 30 days.

Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA.

Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law.

Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights.

Applicable Laws 15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within 30 days.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported.

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend closed my account ( reference number XXXX ) three months ago and has been holding my {$1800.00} ever since. Despite multiple calls, I keep getting the runaround with no real answers. I want my refund issued immediately Im done waiting.

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 2025-12-28 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : [ Insert Date ] To : ChexSystems / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft / Fraudulent Accounts Request for Investigation and Deletion Dear ChexSystems XXXX XXXX XXXX XXXX, I am writing to formally dispute multiple accounts that have been opened in my name without my authorization. These accounts were opened by an unknown individual ( s ) and constitute identity theft. I request that XXXX XXXX XXXX investigate these accounts, block all reporting associated with them, and delete all fraudulent entries from my file.

The fraudulent accounts include, but are not limited to, accounts opened in my name at the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis and Action Requested : 1. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and 1681i, I am requesting a reasonable investigation of all accounts identified as fraudulent due to identity theft.

2. I request that all fraudulent accounts be immediately blocked, removed, and deleted from your records.

3. I request that an Identity Theft Alert / Fraud Alert be placed on my ChexSystems / XXXX XXXX file to prevent further unauthorized accounts.

4. I request written confirmation once all fraudulent accounts are removed and that your reporting be updated to reflect the deletion of all identity-theft-related entries.

Supporting Documentation Enclosed : FTC Identity Theft Report from identitytheft.gov Copy of government-issued ID Proof of address ( utility bill, drivers license, or similar ) Any additional documentation supporting my claim of identity theft Notice of Legal Consequences : Continued reporting of these fraudulent accounts constitutes a violation of the FCRA, and may also implicate federal identity theft statutes. I reserve all rights to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies available.

I request a response within 30 days, as required by law, confirming the deletion and correction of all fraudulent accounts in my ChexSystems / XXXX XXXX record. 

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
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
The following items are fraudulent and does not belong to me. I disputed the items and they were removed and was recently placed back on my report. 

XXXX XXXX  # XXXX XXXX XXXX # XXXX. XXXX 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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: MN

Complaint narrative:
I didnt realize this loan was over 200 % apr now I cant afford to pay this back and still pay my basic bills for my family to live

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: LA

Complaint narrative:
This company is effectively hurting my credit that I don't know who they are please fix this error it's hurting my everyday life an income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : [ Insert Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Identity Theft / Fraudulent Accounts Request for Investigation and Deletion Dear XXXX  XXXX XXXX XXXX XXXX, I am writing to formally dispute multiple accounts that have been opened in my name without my authorization. These accounts were opened by an unknown individual ( s ) and constitute identity theft. I request that XXXX XXXX XXXX investigate these accounts, block all reporting associated with them, and delete all fraudulent entries from my file. 

The fraudulent accounts include, but are not limited to, accounts opened in my name at the following institutions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Legal Basis and Action Requested : 1. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and 1681i, I am requesting a reasonable investigation of all accounts identified as fraudulent due to identity theft.

2. I request that all fraudulent accounts be immediately blocked, removed, and deleted from your records.

3. I request that an Identity Theft Alert / Fraud Alert be placed on my XXXX XXXX XXXX XXXX file to prevent further unauthorized accounts. 
4. I request written confirmation once all fraudulent accounts are removed and that your reporting be updated to reflect the deletion of all identity-theft-related entries. 

Supporting Documentation Enclosed : FTC Identity Theft Report from identitytheft.gov Copy of government-issued ID Proof of address ( utility bill, drivers license, or similar ) Any additional documentation supporting my claim of identity theft Notice of Legal Consequences : Continued reporting of these fraudulent accounts constitutes a violation of the FCRA, and may also implicate federal identity theft statutes. I reserve all rights to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies available. 

I request a response within 30 days, as required by law, confirming the deletion and correction of all fraudulent accounts in my XXXX XXXX XXXX XXXX record. 

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 non-monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ;

Company response to consumer: Closed with non-monetary relief