vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
XXXX. Improper Litigation Conduct Tower Loan filed Small Claims Case # XXXX in XXXX XXXX XXXX on XX/XX/year> despite the fact that : This account was already in active dispute with the CFPB and Tower Loan ; No valid summons was issued or served within the XXXXday statutory window under Illinois law ; I confirmed directly with both the Sheriffs Department and the Clerk of Court that no lawful service occurred.

This constitutes a frivolous filing and abuse of process, causing measurable reputational and financial harm during ongoing financing and refinancing efforts. 



XXXX. Cease-Contact Violations Despite my written cease-contact demand dated XX/XX/year>, I received additional unsolicited text messages from Tower Loan as recently as XX/XX/year>. 
These contacts are clear violations of the FDCPA ( XXXX U.S.C. 1692c ) and CFPB Regulation F. 
Tower Loans interim response of 60 days does not absolve them from statutory compliance deadlines. 



XXXX. Damages & Ongoing Harm As a direct result of Tower Loans reporting and improper litigation conduct, I have suffered : Loss of multiple investment opportunities, Denial of personal home refinancing, Increased borrowing costs from other lenders due to adverse tradeline visibility, and Reputational damage with investors and underwriters. 

I have preserved evidence and am prepared to pursue state and federal litigation, including potential claims against individual employees such as XXXX XXXX for predatory and deceptive lending practices.

4. Requested Resolution To resolve this matter without further litigation, I require Tower Loan to : 1. Update all consumer credit reporting to reflect the account as : Paid as Agreed / Never Late/ Closed, Immediately remove any delinquency, charge-off, or derogatory notations. 
XXXX. Withdraw the XXXX XXXX XXXX case ( # XXXX ) with prejudice. 
XXXX. Provide written confirmation of compliance within 10 days of this notice. 

Failure to comply will result in : A civil suit for FDCPA, FCRA, and state UDAAP violations, A request for statutory damages, actual damages, attorneys fees, and costs, and Referral of the matter to the FTC, Illinois Attorney General, and other regulators for enforcement. 



This is not a settlement offer. This is notice that Tower Loans conduct has materially harmed me, and absent immediate correction, I will seek full legal remedies. 

Respectfully submitted, 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXXXXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Around XXXX of 2023 i was logged out of my account and was called that my account would be closed for fraud and no further details were explained not even what for until i talk to someone at the branch and was told a checked was bounced in my mobile account which I showed her I could not get into because my account was locked out to me I asked to provide the check and asked to compare signature that was signed and the hand writing nothing else was explained

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-09-01 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: FL

Complaint narrative:
I discovered inaccurate information listed on my credit report related to addresses and accounts I did not authorize or open. Despite my attempts to dispute these entries with the credit reporting agencies, they continue to report inaccurate addresses and charge-off accounts. These items are the result of fraudulent activity, and they do not belong to me. Under FCRA 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting that the credit reporting agencies investigate and remove these items from my credit file. 
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 XXXXXX/XX/year>

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 2025-09-01 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding the reporting of the following account on my credit report : XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX  Balance : {$21000.00} Reported XX/XX/2024 * * Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ], a consumer reporting agency may only furnish consumer reports for purposes authorized by the consumer or by law. I did not authorize, initiate, or provide consent for this account to be reported. Its inclusion on my credit report constitutes an impermissible use of my consumer report information. 
Additionally, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Reporting this account without my consent demonstrates a failure to follow such procedures and has resulted in inaccurate reporting on my 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing regarding my PayPal Business account, XXXX, which has been permanently limited and currently holds a balance of {$1400.00}. 
On XX/XX/year> ] I received communication from the PayPal Account Review Department stating : " To ensure that you have money in your account to cover any new payment reversals, the funds in your account will be held for a period of up to 180 days. We'll contact you by email around 2025/08/22 with information on how to withdraw any money in your PayPal account. Once you receive the email, you may log in to your PayPal account and click 'Withdraw ' to receive your funds. '' I understand that PayPal may hold funds for risk mitigation ; however, the statement above constitutes a specific timeline commitment regarding when I will be able to access my funds. I am requesting that PayPal honor this statement and release the funds or provide access for withdrawal immediately after the indicated date of XXXX, as per the communication I received. 

PayPal is not honoring the statement they sent me and still holding the money I need for my business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
Dear Equifax Information Services LLC, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 609 & 611 and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ). 

The account listed as XXXX XXXX ( Account # ending in XXXX ) is being reported inaccurately across your bureau. Specifically : Balances & High Balances are inconsistent XXXX  reports {$0.00} high balance while XXXX  shows {$1900.00} and Equifax shows {$140.00}. 

Dates of Last Activity differ : XXXX  lists XX/XX/XXXX, XXXX  lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. 

Creditor Remarks conflict : XXXX  states Charged off as bad debt, profit and loss write-off, while XXXX  reports Unpaid balance reported as a loss by credit grantor, and Equifax reports Charged off account, credit card. 

Credit Limit is inconsistent : XXXX  and XXXX  list {$1500.00}, while Equifax shows {$0.00}. 

Payment History reporting is conflicting and unverifiable ( see attached copy of my report ). 

These contradictions make the reporting factually inaccurate and unverifiable, violating your obligations under FCRA 607 ( b ) ( Accuracy of Information ). 

Accordingly, I demand that you : 1. Conduct a full investigation into this account.

2. Delete or correct this item immediately if it can not be verified with complete accuracy and consistency.

3. Provide me with an updated credit report within 30 days of receipt of this letter, as required by law. 
If you continue reporting unverifiable or inconsistent information, this will constitute willful noncompliance under FCRA 616, and I will not hesitate to pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General. 

Please consider this a formal request for compliance under federal law. 

Sincerely, XXXX XXXX XXXX XXXX Last 4 SSN : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-09-01 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 2025-09-01 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: IL

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have filed disputes against all credit reporting companies in the United States of America of the unlawful use of false information on my behalf and without my consent. Yet, the correspondence from the credit false reporting bureaus continue with the mailers to my correct address asking for my correct address? As well as asking for more of my personal information. Instead of resolving the issues by deleting the unlawfully utilizing and false and null data on my behalf without my written consent. I will not be ran in circles because you arent preforming your jobs correctly. If you do not resolve these issues in a timely manner? I will be forced to escalate these false reports on my behalf ( see prior disputes and CFPB disputes/complaints on my behalf against the Equifax, Transunion and Experian credit services of the United States credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-01 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: TN

Complaint narrative:
I am filing this complaint due to multiple ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate, unverifiable, and unauthorized information being reported on my Experian credit report. Despite prior disputes, Experian continues to report erroneous personal information, unverifiable accounts, and hard inquiries without my knowledge or consent. 

My Experian credit report reflects addresses that I have never lived at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only correct and current address is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ), I have the right to know what personal data is being reported and to ensure it is accurate. These addresses are false and present a risk for fraud or mixed file errors. 

Account : XXXX XXXX XXXX Account Number ( partial ) : XXXX Balance : {$0.00} Last Payment Date : XX/XX/XXXX This account is listed as charged off despite having a {$0.00} balance, which is misleading and negatively impacts my creditworthiness. Under FCRA 611 and 607 ( b ), Experian is required to ensure information is maximumly accurate. Reporting a charge-off with a {$0.00} balance misrepresents the account status and implies an unresolved debt that does not exist. 

Creditor : Automated Collections Original Creditor : XXXX XXXX XXXX XXXX {$850.00} I have never received a notice or debt validation regarding this account, nor have I been contacted properly by the collection agency. Under FDCPA 809 ( 15 U.S.C. 1692g ) and FCRA 623 ( a ) ( 1 ) ( A ), I have the right to request full debt validation. If the collector can not provide documentation supporting the debt, it must be removed. 

My Experian report contains the following inquiries that I do not recognize and did not authorize : 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 XXXX ( multiple entries ) 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 Under FCRA 604 ( a ) ( 3 ), a credit report may only be accessed for a permissible purpose, with my authorization. I am requesting documentation proving that I gave permission for these inquiries. If no such documentation exists, they must 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