vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: FL

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 2025-12-09 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I was alerted that a collection account was on my credit report. I immediately disputed the collection. Fore, I have not heard of, been contacted or had any dealing with them at all. This is definitely not my collection. 

I've attempted to contact company without any success. I have not received any proof or documentation. 

XXXX immediately states the collection will remain on account, because it was verified by debt collector. I call XXXX  and asked if they could provide me proof, they said no. 

This is totally unacceptable, especially with all of the data breaches they have experienced and not diligently verifying information is fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am disputing accounts on my credit report that do not belong to me. I have no connection to or consent over these accounts and request that a full investigation be conducted and that they be 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 2025-12-09 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: MD

Complaint narrative:
I have tried multiple times to contact this creditor for them to provide substance in clarity as this account does not belong to me and time and time again they consistently report this on my credit report. This account is not mine. Ive never had this credit card.

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 2025-12-09 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I have tried multiple times to contact this creditor for them to provide substance in clarity as this account does not belong to me and time and time again they consistently report this on my credit report. This account is not mine. Ive never had this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a dryer from XXXX and later realized that it was the wrong style, I tried to alert them that I needed to change the style, before it was delivered but they had already sent it out, when the delivery guys came I told them to take it back because it was the wrong item so they left with the dryer after seeing my wash machine was different from the dryer they were trying to deliver. They didn't have my style available in stock at that time, someone referred me to call XXXX XXXX to see if they had what I wanted and the did and I ordered my dryer and paid for it with my XXXX bank card and that was it. Somehow, the dryer from XXXX never made it back and I have been on the hook ever since.

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 2025-12-09 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: FL

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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/year>- XXXX. There actions were never warranted. I had a debit card and false statements or theirs were falsified/ '' error in processing ''.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I forgot to pay my balance but never bought anything. They added interest more then the normal amount. There's nothing on this current statement that reflects the balance.. I'm just trying to pay my card off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because two accounts are being reported on my Transunion credit file without my permission or any valid legal basis. I did not authorize these accounts to be reported, and no company had any permissible purpose to place them on my credit report. Despite this, they continue to appear and cause damage to my credit. 
The accounts being reported without my authorization are : XXXX XXXX  Account number : XXXX XXXX  XXXX XXXX Account number : XXXX Under the Fair Credit Reporting Act, 15 USC 1681b, consumer information may only be reported when there is a valid permissible purpose. That requirement was not met in this case. These accounts were reported without any written authorization, contract, or agreement from me. This makes the reporting unlawful.

The credit bureau is also required under 15 USC 1681e ( b ) to ensure maximum possible accuracy. Reporting accounts without legal authority or verification is not accurate and violates federal law. If these accounts can not be proven to be reported lawfully, they must be removed.

I formally dispute both accounts and demand their immediate deletion under 15 USC 1681i. I am also demanding documentation that shows who reported these accounts, why they were accepted, and what legal authority or consent was used.

Continuing to report these accounts without proof is willful noncompliance under federal law and is causing ongoing harm to my credit and financial standing. I want the CFPB to step in and require immediate action and accountability.

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 2025-12-09 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: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

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 2025-12-09 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am writing to you today to demand the immediate and unconditional removal of a series of fraudulent hard inquiries that have appeared on my credit report without my authorization. These inquiries are a direct result of identity theft and are causing significant, ongoing financial and emotional distress to me and my family. My name is XXXX XXXX, and this is a formal demand for action, not a request. 

I have been a victim of identity theft, and these fraudulent inquiries are a direct consequence of this crime. I have not authorized, initiated, or benefited from any of the transactions associated with these inquiries. The presence of these inquiries on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that you fulfill your legal obligation to ensure the accuracy of the information you report. 

Below is a list of the fraudulent inquiries that I demand you remove from my credit report immediately : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System , Inc. trying to collect {$2000.00} on a past due account. The amount was allowed to accumulate for 6 years after the last monthly payment was made and 6 years after the service was last used, violating my state 's statute of limitations. Account was owned by a forfeited LLC with no assets, not me personally, yet IC System, Inc. is penalizing my personal credit. I received no mail notice from IC System , Inc., instead I caught it after they had already damaged my personal credit report with XXXX. IC System , Inc. have only partially answered my first letter, providing no proof that they even tried to contact me before filing a collections penalty on my credit report, in violation of the FDCPA, specifically 15 U.S.C. 1692g ( a ), which requires debt collectors to send written notice within five days of initial communication.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Bank Delaware, XXXX. XXXX XXXX, XXXX, DE XXXX, XXXX FDIC. XXXX XXXX AAdvantage. 

I opened a credit card with this company and shortly after activation I began experiencing issues with my account. When I contacted customer service, I was told they were unable to verify my phone number. I explained that my personal information can not be verified through public records because I am an XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my information has been removed from public databases. 

They informed me that i need to verify my information, I could not use the online system or any portal and would instead need to mail or fax the required documents. I complied and sent the requested information on three separate occasions, but each time I was told it was never received.

I requested that the account be closed, but they refused to close it until verification is completed. However, every attempt I make to verify the account is met with the same response that the paperwork was not received. The account has been locked, I can not use the card, I can not access the online portal, and there has been no activity on the card. Despite this, they are now charging me a {$100.00} annual fee. 

The account is essentially in limbo, and I am still being billed for a service I can not use. When I call for assistance, I am placed on long holds, transferred repeatedly, or disconnected. I am simply requesting that they stop billing me and close the account.

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing a complaint against Radius Global Solutions, LLC regarding an alleged XXXX XXXX XXXX debt for {$540.00} ( Reference/Account # : XXXX ). I timely disputed the debt and requested a complete validation response including the itemization date, the amount of the debt on that itemization date, and an itemization of interest, fees, payments, and credits since that date as required by the CFPBs debt collection rule ( Regulation F, 12 C.F.R. 1006.34 ). 

On or about [ XX/XX/year> ], Radius responded by sending an XXXX XXXX XXXX statement dated XX/XX/year> that only shows a total due of {$540.00} and does not provide the required itemization details. I sent a second written request on [ XX/XX/year> ], and they again responded with essentially the same documents without the required itemization elements.

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