vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: IN

Complaint narrative:
I did not provide verbal or consent for this company in question to share my personal and account information, this is a serious violation of my liberties, freedom, and rights. This information is being used to discriminate and negatively affect my ability to use my XXXX given rights and credit. This lack of consent is in accordance with 15 U.S.C. 1692c, which governs communication in connection with debt collection, and 15 U.S.C. 1681b ( a ) ( 2 ), which requires permissible purposes for furnishing consumer reports.

As a result, I demanded that immediately remove the account referenced from my credit report. The inclusion of this account information without my consent constitutes a fraudulent and impermissible reporting practice.

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 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask 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 explanation
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

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 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 2025-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Radius Global Solutions keeps sending me bills that I owe a medical debt that varies in the amount of {$39.00} up to {$100.00} plus dollars for late payments. They sent me a bill from XXXX XXXX stating why I owe the amount. I sent Radius Global Solutions on XXXX different occasions proof that I always had a XXXX  insurance on why the bill is not mine to pay. It reached to XXXX XXXX where when they send me a bill I just respond with the option I do not owe this amount, this debt is not mine. My secondary insurance was with XXXX XXXX XXXX of XXXX. I filed a complaint with XXXX XXXX as to why they did not pay the amount from my XXXX  insurance, which is XXXX. I sent a copy of my insurance card to Radius Global Solutions on XXXX occasions but they are still sending me bills.

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 2025-08-01 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: PR

Complaint narrative:
I became aware of this unauthorized credit card when reviewing my credit I discovered. I have no knowledge of this credit card with XXXX. and did not authorize anyone to use this credit card for purchase. I suspect that my personal information may have been compromised and am taking the necessary steps to protect my identity. 

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

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 2025-08-01 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I became aware of this unauthorized credit card when reviewing my credit I discovered. I have no knowledge of this credit card with XXXX. and did not authorize anyone to use this credit card for purchase. I suspect that my personal information may have been compromised and am taking the necessary steps to protect my identity. 

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a dispute regarding an account with XXXX XXXX XXXX XXXX is reporting multiple late payments on my credit report after the account was already charged off, which is inaccurate and misleading, According to the fair credit reporting Act ( FCRA ), once an account has been charged off, no new payment activity- including additional late payments should be reported. A charge off is a final statues and any subsequent reporting of delinquencies is considered inaccurate. I have contacted XXXX directly to request correction but they have nit resolved the issue. I am requesting that the CFPB investigate this matter and that XXXX update my credit report by removing all the accounts This incorrect reporting is negatively affecting my credit report scores and does not reflect the true statues of my 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 2025-08-01 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: Early Warning Services, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX  XXXX XXXX ] [ XXXX - XXXX - XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX and for FCRA Violations To Whom It May Concern : I am writing to file a formal complaint and initiate a dispute regarding the actions of XXXX, XXXX, and XXXX, whom I believe have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by reporting inaccurate and/or unverifiable information and failing to comply with reasonable procedures to ensure maximum possible accuracy. 

Background : Upon reviewing my consumer disclosure reports from the aforementioned consumer reporting agencies, I have identified multiple items that are : Inaccurate Outdated Unverifiable Or reported without proper notification or permissible purpose. 

Despite submitting written disputes directly to XXXX, XXXX, and XXXX as permitted under FCRA 611 ( 15 U.S.C. 1681i ), these agencies have either failed to properly investigate, failed to delete unverifiable information within XXXX  days, or continued to report information that was not validated. 

Specific Violations Include : XXXX. Failure to Maintain Maximum Accuracy As per FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), they failed to follow reasonable procedures to assure maximum possible accuracy of the information. 
XXXX. Failure to Reinvestigate Under FCRA 611 ( a ), they did not adequately investigate or respond to my disputes within the XXXX time frame. 
XXXX. Reporting of Outdated Information Some items appear to be beyond the allowable reporting periods under FCRA 605 ( a ). 
XXXX. Failure to Provide Notice of Reinvestigation Results They have not provided written notice of the results of their reinvestigation, including the method of verification or the source of the data. 
XXXX. Lack of Permissible Purpose If any entity accessed or used my consumer report without my consent or a valid reason under FCRA 604, this constitutes a violation. 

Desired Resolution : I respectfully request the CFPB to : Investigate these agencies failure to comply with the FCRA. 
Ensure that the disputed information is either verified with proper documentation or permanently deleted. 
Impose penalties or sanctions if applicable. 
Require them to provide me with updated, corrected consumer disclosures. 

I am attaching copies of my prior dispute letters, proof of identity, and any relevant correspondence I have had with these agencies. I would appreciate the XXXX  assistance in holding these companies accountable for their non-compliance and protecting my consumer rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 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

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 2025-08-01 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: TX

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 2025-08-01 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:
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 explanation
Consumer complaint received 2025-08-01 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: CITIBANK, N.A.
State: PR

Complaint narrative:
I became aware of this unauthorized credit card when reviewing my credit I discovered. I have no knowledge of this credit card with CBNA. and did not authorize anyone to use this credit card for purchase. I suspect that my personal information may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

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 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings
State: WA

Complaint narrative:
I applied for and was denied a credit application for having an active collection account. After reviewing my credit report, I noticed a collection account opened by Zions Debt Holdings for a debt from am original contract with XXXX XXXX The original debt was XXXX under XXXX XXXX XXXX  disposition XXXX in the XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XX/XX/XXXX. I disputed the debt with the XXXX XXXX XXXX, however, it was not removed due to inaccurate reporting of Zions Debt Holdings. I then sent a copy of my XXXX  XXXX XXXX XXXX on XX/XX/XXXX to XXXX, per the request from the company, and I have yet to receive a response while surpassing XXXX  days. I explained that this was a no-asset discharge, therefore, there is precedent that a discharge schedule is not required to prove a debt was included as it is a general discharge for all eligible debts ( no harm, no foul if a debt is not listed ) This is supported by previous case law. The original debt with XXXX XXXX XXXX XXXX XXXX discharge, and per their own reporting, Zions Debt Holdings claims to have purchased the debt from Brinks/Monitronics post-discharge date. This collection account remains open on my credit report, despite my efforts of providing Zions Debt Holdings proof that this debt is not valid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Transunion failed to properly investigate and verify debt that appears on my credit report.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX of 2025 my credit score with XXXX  was XXXX, in XXXX the score dropped to XXXX, I checked the reason on my Citi account site and the reason was a " ... recent delinquency ... '' I contacted XXXX  who advised there was no delinquency on my credit report and I should contact Citi which I did this morning, Citi advised it gets its report from XXXX  and to contact XXXX. I printed my XXXX  report there is no delinquency. I want XXXX  and Citi to correct the credit score.

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 2025-08-01 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: FL

Complaint narrative:
I am writing to request the deletion of the following information from my file. The items I am requesting to be deleted are listed in the attached report. did not make the charges in question. 
I have reported and have enclosed copies of the Federal Trade Commission Identity Theft Affidavit for your reference. 
Please delete these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.

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