vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
I am filing this complaint because Clarity Services is reporting, storing, or distributing my consumer information without any permissible purpose and without my authorization, in violation of federal law. 

I have never given Clarity Services any written authorization to obtain, maintain, sell, or furnish any consumer information about me. Any data Clarity Services currently has was obtained or distributed without consent, which is expressly prohibited under federal law.

This activity violates multiple provisions of the Fair Credit Reporting Act : FCRA 604 ( a ) No permissible purpose to obtain or distribute a consumer report FCRA 602 ( A ) Failure to ensure accuracy, fairness, and privacy FCRA 603 ( d ) Unauthorized creation, possession, or distribution of consumer reporting data FCRA 603 ( o ) Impermissible data use FCRA 609 ( e ) Failure to provide identity theft disclosures FCRA 611 Failure to reasonably reinvestigate disputes FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information without a lawful basis FCRA 605B / 15 U.S.C. 1681c-2 Identity theft blocking obligations FACTA Red Flags Rule Failure to detect, prevent, or respond to identity misuse I have an official FTC Identity Theft Report ( Report XXXX XXXX XXXX, which legally requires Clarity Services to block all information that was furnished without authorization. 

Despite lack of authorization and despite the identity theft filing, Clarity Services is continuing to maintain, store, or distribute information about me. This is unlawful data collection, unlawful data retention, and unlawful data furnishing. 

I am asserting my rights under all applicable federal statutes and demanding immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
Please remove these 3 fraudulent derogatory accounts from my credit profile : 1 : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Acct # XXXX 2 : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$530.00} Acct # XXXX 3 : XXXX XXXX Opened XX/XX/XXXX Balance : {$3600.00} Acct # 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 2025-11-17 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: NJ

Complaint narrative:
Please remove these 3 fraudulent derogatory accounts from my credit profile : 1 : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Acct # XXXX 2 : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$530.00} Acct # XXXX 3 : XXXX XXXX Opened XX/XX/XXXX Balance : {$3600.00} Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Re : XXXX XXXX Metro2 Non-Compliance & Deletion Request I am disputing three XXXX  accounts based on : Metro2 violations TILA 1641 ( f ) ( 2 ) violations FCRA 602/607/611/623 violations Inaccurate and unverifiable reporting Accounts : 1. XXXX  XXXX {$1500.00} charged off 2. XXXX XXXX {$480.00} charged off 3. XXXX XXXX {$200.00} charged off -- - Reasons for Dispute Charge-offs can not have updated recent balance data Charge-offs can not be marked past due XXXX  failed to validate under TILA XXXX  failed your reinvestigation process Past-due balance equals charge-off balance ( duplicate harm ) -- - REQUESTED ACTION Delete all three XXXX  entries immediately for : Violations of Metro2 Violations of FCRA Improper reinvestigation Unverifiable data 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 2025-11-17 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: T.S. Holdings
State: NV

Complaint narrative:
This letter serves as a final demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX credit reporting standards. I am demanding that you immediately cease all credit reporting and collection activity related to the alleged commercial lease debt you are reporting to TransUnion unless and until you provide full and proper validation of the debt. 
You Have Not Validated This Debt I submitted XXXX formal dispute letters on XX/XX/XXXX and XX/XX/XXXX requesting full validation. Your response dated XX/XX/XXXX failed to provide any of the following : A signed lease or agreement with the original creditor A complete and unbroken chain of title showing legal assignment Specific documentation identifying the debt in each transfer Proof of legal authority to collect and report the debt Evidence of legally required notices prior to credit reporting Instead, you provided billing statements, which are not sufficient under FDCPA 1692g ( b ). Courts have consistently ruled that debt collectors must provide original documentation and legal standing to validate a debt. See : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) where your company was found liable for FDCPA violations You Are Violating the FCRA and Metro 2 Standards You have already removed this account from Equifax and Experian, which is a tacit admission that the debt is unverifiable. Yet you continue to report it to TransUnion, in violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) duty to report accurate and complete information FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to verify disputed information Metro 2 Guidelines failure to apply Compliance Condition Code X to mark the account as disputed FTC XXXX XXXX XXXX XXXX prohibits debt parking without proper notice or substantiation Your continued reporting of this account without proper validation is reckless, deceptive, and unlawful. It causes ongoing harm to my credit profile and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:XXXX XXXX XXXX  # XXXX  --- Opened: XXXX XXXX # XXXX --- Opened: XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) #XXXX  --- Opened: XXXX  (Original Creditor: XXXX XXXX XXXX) # XXXX  --- Opened: XXXX XXXX #XXXX  --- Opened: XXXX #XXXX  --- Opened: XXXX XXXX #XXXX  --- Opened: XXXX  #XXXX  --- Opened: XXXX XXXX  #XXXX  --- Opened: XXXX #XXXX  --- Opened: XXXX  #XXXX --- Opened: XXXX XXXX XXXX #XXXX  --- Opened: XXXXUNAUTHORIZED INQUIRIES:\n\nExperianXXXX 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 XXXXTransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX 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 2025-11-17 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: GA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:XXXX XXXX XXXX  # XXXX  --- Opened: XXXX XXXX # XXXX --- Opened: XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) #XXXX  --- Opened: XXXX  (Original Creditor: XXXX XXXX XXXX) # XXXX  --- Opened: XXXX XXXX #XXXX  --- Opened: XXXX #XXXX  --- Opened: XXXX XXXX #XXXX  --- Opened: XXXX  #XXXX  --- Opened: XXXX XXXX  #XXXX  --- Opened: XXXX #XXXX  --- Opened: XXXX  #XXXX --- Opened: XXXX XXXX XXXX #XXXX  --- Opened: XXXXUNAUTHORIZED INQUIRIES:\n\nExperianXXXX 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 XXXXTransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX 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 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint because all three credit bureausExperian, Equifax, and TransUnionare reporting conflicting and inaccurate information regarding the same XX/XX/XXXXXXXX account ending in XXXXXX/XX/XXXX with a balance of {$1700.00}, and these inconsistencies are harming my credit profile in violation of multiple sections of the Fair Credit Reporting Act. Experian lists the Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, while Equifax reports a different Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, and TransUnion lists yet another Date of Last ActivityXXXXwith a Date Reported of XX/XX/XXXX ; these are all drastically different from one another despite representing the same account. This conflicting data results in my account being inaccurately aged, incorrectly evaluated, and potentially kept on my report for longer than legally permitted, violating FCRA 623 ( a ) ( 1 ) ( A ) ( accurate reporting obligation ), FCRA 623 ( a ) ( 5 ) ( accurate reporting of the Date of First Delinquency ), and FCRA 605 ( a ) ( 15 U.S.C. 1681c ) regarding obsolete information. I have tried to resolve this through the credit bureaus, but the errors continue to persist, and XX/XX/XXXXreporting appears negligent because each bureau is receiving different dates for the same account. These inaccuracies have created confusion, lowered my creditworthiness unfairly, and caused significant frustration, as I can not determine which bureauif anyis reporting correct information, and I am now turning to the CFPB for assistance because I have been unable to get consistent, lawful, and accurate reporting despite multiple attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint because all three credit bureausExperian, Equifax, and TransUnionare reporting conflicting and inaccurate information regarding the same XX/XX/XXXXXXXX account ending in XXXXXX/XX/XXXX with a balance of {$1700.00}, and these inconsistencies are harming my credit profile in violation of multiple sections of the Fair Credit Reporting Act. Experian lists the Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, while Equifax reports a different Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, and TransUnion lists yet another Date of Last ActivityXXXXwith a Date Reported of XX/XX/XXXX ; these are all drastically different from one another despite representing the same account. This conflicting data results in my account being inaccurately aged, incorrectly evaluated, and potentially kept on my report for longer than legally permitted, violating FCRA 623 ( a ) ( 1 ) ( A ) ( accurate reporting obligation ), FCRA 623 ( a ) ( 5 ) ( accurate reporting of the Date of First Delinquency ), and FCRA 605 ( a ) ( 15 U.S.C. 1681c ) regarding obsolete information. I have tried to resolve this through the credit bureaus, but the errors continue to persist, and XX/XX/XXXXreporting appears negligent because each bureau is receiving different dates for the same account. These inaccuracies have created confusion, lowered my creditworthiness unfairly, and caused significant frustration, as I can not determine which bureauif anyis reporting correct information, and I am now turning to the CFPB for assistance because I have been unable to get consistent, lawful, and accurate reporting despite multiple attempts.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is additional information regarding my Experian complaint. I need to document further violations that occurred after my initial submission. 

XXXX. I submitted a valid Identity Theft Report and police report in XXXX. Under FCRA 605B ( a ), Experian was required to block the fraudulent accounts within four business days. They did not.

2. Instead, Experian processed my identity theft block request as a standard reinvestigation under 611 and issued dispute results on XX/XX/year>. This was improper and a direct violation of FCRA 605B. 

XXXX. On XX/XX/XXXX, Experian stated in writing that my dispute was complete. Despite this, Experian continued to review the same dispute and reopened it without any new dispute filed by me. This violates FCRA 611 ( a ). 

XXXX. On XX/XX/year>, Experian sent an email claiming my identity theft block request was made in error. Under FCRA 605B ( c ) ( 3 ), if a CRA claims an identity theft report is invalid, they MUST provide copies of all documents they relied on to reach that conclusion. Experian has not provided ANY documentation, and it has been more than 30 days. This is another violation. 

XXXX. On the same day, XX/XX/XXXX, Experian simultaneously issued new dispute results showing the accounts as pending, even though they had already issued final results on XX/XX/XXXX. Reporting the same dispute as both complete and pending violates FCRA 607 ( b ) ( accuracy requirements ).

6. Experian is continuing to treat an identity theft block request as a dispute, continuing to reinvestigate it improperly, failing to block the information, failing to provide required documentation, and reporting inaccurate dispute statuses. 

I am requesting CFPB enforcement and immediate deletion of the fraudulent accounts pursuant to 605B, as well as corrective action for the repeated violations listed above.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, being duly sworn, declare under penalty of perjury the following : 1. My Identity My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
2. Purpose of This Affidavit This affidavit is submitted to XXXX XXXX, TransUnion, and XXXX XXXX regarding a closed Wings Financial account appearing on my consumer credit reports. 
3. Inaccuracy & Unverifiable Reporting The reported account contains inaccurate, incomplete, outdated, or unverifiable information, violating 15 U.S.C. 1681e ( b ).

4. Failure to Meet FCRA Verification Standards Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be fully verified must be deleted.

5. Formal Demand I demand a lawful reinvestigation and immediate deletion of the account if statutory verification can not be met.

6. Truthfulness of Statement I declare all statements made herein are true and correct to the best of my knowledge. 
Signed : XXXXXXXX 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Bureaus, Inc.
State: AL

Complaint narrative:
Please remove collections account from all 3 credit bureaus per 15USC 1692c ( c ) Please remove all negative history and comments from credit reports.

I have no knowledge of this account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally disputing three XXXX XXXX accounts based on XXXX non-compliance, TILA 1641 ( f ) ( 2 ) violations, FCRA XXXX violations, and reporting inaccuracies. 

Experians own reinvestigation note states : > Completed investigation of FCRA dispute consumer disagrees. 



Yet no corrections were made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS Accounts were sold, yet Upgrade still reports Charge-Off, violating Status Code XXXX Contradictory reporting : Charged Off / Never Late Duplicate delinquency data Missing or inconsistent fields -- - FCRA VIOLATIONS FCRA 611 reinvestigation failure FCRA 623 inaccurate furnishing FCRA 602 maintaining inaccurate data -- - REQUESTED ACTION Delete all three XXXX XXXX accounts immediately for : Unverifiable reporting Incorrect furnisher data TILA ownership failure Metro2 violations Under FCRA 611 & CFPB Regulation V, you must delete unverifiable information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/year> RADIUS GLOBAL SOLUTIONS Subject : Formal Debt Dispute and Request for Validation To Whom It May Concern, This letter serves as formal notice that I dispute any and all alleged debts that you claim I owe. I do not acknowledge any obligation to your agency and deny any indebtedness. Furthermore, I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request a full and complete validation of the alleged debt.

This includes but is not limited to : 1. Validation of Debt A complete itemized statement showing the original amount of the debt, all interest, fees, payments made, and the current balance. 2. Proof of Ownership A copy of the purchase or assignment agreement between your agency and the original creditor. 3. Licensing and Bonding Proof that your agency is licensed and bonded to collect debts in my state. In addition, effective immediately, I revoke any and all rights to contact me via phone calls, text messages, emails, or any other electronic communication. All communication must be in writing and sent to the address listed above. Any further contact that does not comply with this request may be considered harassment and a violation of the FDCPA. 
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 non-monetary relief
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
A fraudulent collection account from a company I have never done business with was previously deleted from my credit report after disputes confirmed it was not mine. Months later, Experian reinserted the same account without providing the legally required reinsertion notice, without certifying the accuracy of the information, and without obtaining any verification from the furnisher. 
The account has never been validated by the company reporting it, and no documentation has ever been provided to prove that I opened or authorized the account. Despite this, Experian allowed the account to reappear on my credit report. 
I disputed the reinsertion, but Experian did not provide verification, did not provide documentation, and did not explain how or why they reinserted information that had already been removed as fraudulent. 
The issues involve lack of verification, reinsertion without notice, and failure to conduct a reasonable reinvestigation. I am requesting that Experian permanently delete the fraudulent account and ensure it is not reinserted again without proper certification and verification.

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