vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-05 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. Experian is knowingly reporting inaccurate, outdated, and legally XXXX information on my credit report. Despite submitting proper disputes, Experian has failed to correct or delete multiple derogatory accounts that were included in my Chapter XXXX bankruptcy, in direct violation of XXXX ( b ), which requires reasonable procedures to ensure maximum accuracy, and XXXX ( f ), which mandates proper reflection of public bankruptcy records. 

Experian has also ignored its obligation under XXXX ( a ) to conduct a full reinvestigation within XXXX  days and to remove unverifiable items under XXXX ( a ) ( XXXX ). Accounts XXXX years ago remain listed as open and delinquent, creating a false and damaging impression of my credit profile. In addition, my report includes hard inquiries that I did not authorize, which violates XXXX. Experian has not produced any signed documentation to justify these inquiries, nor has it corrected them after my request. 

These ongoing violations are harming my ability to secure credit and housing and are causing financial and emotional distress. This is no longer a matter of errorit is a matter of negligence and, based on the lack of response, potentially willful noncompliance. Under XXXX and XXXX, Experian is subject to civil liability for these violations. 

I am demanding that Experian immediately delete all inaccurate, unverifiable, and XXXX accounts, remove all unauthorized inquiries, and issue a corrected report. I respectfully ask the Consumer Financial Protection Bureau to investigate Experians pattern of noncompliance and take regulatory action as necessary. 

Sincerely, 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 2025-07-05 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: CA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute a number of unauthorized or unverified credit inquiries that have appeared on my credit report with TransUnion. 
These inquiries were not initiated or authorized by me, and they are affecting my creditworthiness and overall XXXX XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to remove or fully investigate any disputed inquiries within the time allotted by law. 

The following inquiries are being disputed : - XXXX - XX/XX/XXXX - JXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XX/XX/XXXX Please initiate an investigation into these inquiries. If they can not be verified as authorized, I request that they be removed from my credit report immediately. 
In addition, please provide written confirmation of your investigation results and any actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : * * * - * * 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 2025-07-05 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: GA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I wrote a letter to Medical Data Systems. In this letter I requested information on Debt based on 15 US Code 1692g. This law states that the Debt collector should send in writing to me the right to collect Debt. This can be disputed by the person in which they have a claim against. They didn't send me any notice of collection until it was reported on my credit report. In my letter I asked for all basic information to validate the Debt. I asked for name of original creditor, name on account, how much it was for and the purchase agreement. That is a direct violation of this law and myself as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have been harassed by portfolio recovery for months. Even if I answer the phone it hangs up immediately. Ive blocked their number but they continue to change it with each unwanted call. Ive checked my credit report, I have no outstanding debts. There is nothing they need from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX bankruptcy case, indicating their belief that XXXXXXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

* * My Background * * I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX  XXXX and was frozen on or around XX/XX/2024, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had approximately {$14000.00} in the account. Since then, I have been given roughly {$500.00}, leaving {$13000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : My winter savings is what I use for protection in case my business slows during the winter months, and cash flow becomes weak. 

I missed numerous winter bills, and had to use our credit card simply to sustain ourselves for basic power and utility bills, because this is still not been sorted out. 

We finally just paid our winter debt off on the credit card, after being charged over {$800.00} interest. 

Funds became so tight, with the combination of inflation, decreased cash flow with other people not using our business, ( which has been fully functional for 20 years and has been a profitable auto reconditioning business. ) that we had to put all travel plans on hold. 

And we still are facing much uncertainty, because we are very good about saving, disciplined about keeping money in the bank, and it is seemingly gone!!! 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
Please see the supporting documentation to the Experion data breach.

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
The debt listed on my credit report with XXXX, XXXXreported by Radius Global Solutions LLC Radius Global Solutions LLC, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX, XXXX, MN, XXXX, inaccurate and improperly reported. The reference number associated with this debt is XXXX, and the partial account number ends in XXXX. The alleged balance is {$1800.00}, and the original creditor is XXXX XXXX XXXX, relating to a XXXX XXXX XXXXXXXX XXXX XXXX. This debt does not appear on my XXXX XXXX XXXX report. Despite my efforts to resolve this matter directly with Radius Global Solutions LLC and through the credit reporting agencies, the inaccurate information remains on my file. I XXXX XXXX did not give permission or consent ( written or verbal ) for Radius Global Solutions to contact me, or obtain personal information. I contacted Radius Global Solutions on XX/XX/year>, at XXXX XXXX EST and was informed that they are not the original creditor and could not provide full account information. I was also told that no negotiation would be offered and was instructed to call back only once I had the full balance. The debt is approximately XXXX years old and has caused significant harm to my financial standing and personal life, including repeated denials for housing, contributing to homelessness and an inability to secure stable shelter for myself and my XXXX parent. This situation has caused serious financial hardship. I believe the continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB investigate this matter and take appropriate action. I can be reached at ( XXXX ) XXXX ( voicemail preferred ) or at XXXX for any further information.

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 2025-07-05 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: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and its debt collection agent, XXXX, for multiple federal violations involving the improper assignment and disclosure of my personal and financial information. 

XXXX unlawfully transferred an alleged debt to XXXX without my consent, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). XXXX then contacted me without providing debt validation as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and attempted to collect a {$15.00} unauthorized fee in violation of 1692f ( 1 ).

No original signed agreement has been provided. No chain of assignment has been disclosed. This is a breach of my federal consumer rights and has created a material risk of harm, fraud, and reputational damage. 

I am requesting a full investigation and immediate enforcement action to correct this unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
The debt reported on my credit file by Transworld Systems Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, PA XXXX, is inaccurate and improperly reported. The alleged balance is {$230.00}. I did not authorize or provide consent for Transworld Systems Inc to obtain or use my personal information. This debt appears on my credit reports without my permission, and I believe it is being reported unlawfully. Original creditor XXXX XXXX XXXX. On XX/XX/year>, I attempted to contact Transworld Systems Inc to resolve or clarify the matter but was unable to obtain satisfactory information. I was not provided with documentation verifying the debt, nor was I given a clear explanation of how or why they acquired my information. I did not receive any prior notice or opportunity to validate the debt before it was reported. This reporting has negatively affected my credit standing and has caused undue stress and financial hardship. I believe the actions of Transworld Systems Inc may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter, and that the inaccurate information be removed from my credit file. I am available at ( XXXX ) XXXX ( voicemail preferred ) or XXXX for any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I asked them for a directive or specific page that shows my personal signature that I owe them. They threaten to damage my credit and sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 am filing this complaint against TransUnion for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. TransUnion is knowingly reporting inaccurate and outdated information on my credit file, including accounts that were legally discharged in a Chapter 13 bankruptcy. These accounts are still listed as open, past due, or in collection status which is both misleading and unlawful. This reporting violates 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 1681c ( f ), which requires credit bureaus to properly reflect bankruptcy discharges based on public records.

Despite submitting valid disputes, TransUnion has not performed a proper reinvestigation under 1681i ( a ), nor has it removed unverifiable items as required by 1681i ( a ) ( 5 ). Accounts I disputed remain unchanged, even though no supporting documentation was provided. The continued presence of these accounts is harming my credit profile and is a clear violation of federal law. 

Additionally, my TransUnion report includes hard inquiries that I never authorized. Under 1681b ( f ), credit bureaus may only release my credit file to parties with a certified permissible purpose. These inquiries were not initiated by me, and I have received no proof that they were authorized. TransUnions failure to remove them is a further breach of its obligations under the FCRA.

TransUnions inaction shows either gross negligence or willful disregard for the law. This behavior qualifies for civil liability under 1681n and 1681o. These inaccurate and harmful entries are preventing me from obtaining fair access to credit and other financial opportunities. 

I am demanding the immediate deletion of all discharged, unverifiable, inaccurate, and unauthorized information on my credit file, along with written confirmation and updated credit reports. I respectfully ask the Consumer Financial Protection Bureau to investigate TransUnion for its clear pattern of noncompliance and failure to protect consumer rights. 

Sincerely, 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 2025-07-05 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Therefore, I am requesting that you provide the following documentation to validate the debt you are reporting : 1. A copy of my government-issued photo ID ( e.g., drivers license ) 2. A copy of my Social Security card 3. A copy of the signed contract bearing my signature as proof that I agreed to this debt If you can not provide full and proper verification that this account belongs to me, and that all the information reported is 100 % accurate, then this collection account must be removed from my credit report immediately as required by law. 

Please respond to this request in writing within 30 days as required by the FCRA.

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 2025-07-05 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: NY

Complaint narrative:
Therefore, I am requesting that you provide the following documentation to validate the debt you are reporting : 1. A copy of my government-issued photo ID ( e.g., drivers license ) 2. A copy of my Social Security card 3. A copy of the signed contract bearing my signature as proof that I agreed to this debt If you can not provide full and proper verification that this account belongs to me, and that all the information reported is 100 % accurate, then this collection account must be removed from my credit report immediately as required by law. 

Please respond to this request in writing within 30 days as required by the FCRA.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Acct * * * XXXX : This debt buyer has failed to provide original account documentation. As required under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ), unverifiable data must be deleted immediately. 
XXXX XXXXXXXX XXXX Acct * * * XXXX : Account reflects continued monthly updates after charge-off, which constitutes possible re-aging in violation of FCRA XXXX ( c ) and furnisher obligations under XXXX ( a ) ( XXXX ) ( A ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct * * * XXXX : XXXX high balance of {$820.00} against a {$100.00} credit limit. This is materially misleading and must be removed under FCRA XXXX ( a ) ( XXXX ) ( B ). 
XXXX XXXX XXXX Acct * * * XXXX : Debt purchaser has not provided validation per FDCPA XXXX ( b ) and is reporting unverifiable information in violation of FCRA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a previous complaint regarding receiving unwanted marketing emails. 

They complaint was closed. 

I am still receiving unwanted marketing emails. 

I today received an email saying that my complaint was about inaccurate information in my credit report. 

I am beyond furious that I am still receiving unwanted marketing emails and they think that my previous complaint which did NOT MENTION ANYTHING about improper information in my report was about improper information in my credit report. 

I want the unwanted marketing emails to stop. I am beyond furious that I am having to submit this claim again because apparently Equifax " misread '' my complaint. I think they are intentionally thinking my complaint is something else in order to not stop sending me unwanted marketing emails. 

Which I find abhorant. I should not have had to submit the first request. I really should not have had to submit this request a second time. I better not have to submit this request a third time in order to stop the marketing emails. 

Again this complaint is to STOP UNWANTED MARKETING EMAILS. I have nothing inaccurate in my report.

Company response to consumer: Closed with explanation