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

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX XXXXXXXX : Continued Negative Reporting After Dispute Resolution Company involved : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Experian / XXXX Partial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Issue Description : I am filing this complaint regarding a credit card account with XXXXXXXX XXXX XXXX XXXXXXXX that has been previously disputed and marked as resolved. Despite this, all three major credit bureaus continue to report the account as negative, and in some cases, inaccurately.

Inconsistencies and Legal Concerns : The account shows {$0.00} balance, was last active in XX/XX/year>, and has had no recent delinquency or usage. 

All bureaus list the account as " Open '' despite no activity or payments since XXXX.

Late payments are reported inconsistently : XXXX : 30, 60, 90 days late Experian : 30, 60, 90, 120 days late XXXX  : only one 30-day late All three agencies include a comment indicating : Account previously in dispute now resolved, yet the negative payment history has not been corrected, and no proper reinvestigation results were provided.

This reporting is outdated, damaging, and lacks consistency and accuracy, violating my rights under federal law.

Violations of Law : FCRA 15 U.S.C. 1681e ( b ) : Requires CRAs to ensure maximum possible accuracy.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Requires deletion or correction of disputed information if unverifiable or inaccurate.

FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers must correct inaccurate data when notified of a dispute.

FCRA 1681n & 1681o : Allow for civil penalties in cases of negligent or willful noncompliance.

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 2025-07-07 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In XXXX my credit score dropped XXXX points all at XXXX time and I literally had no changes except my address.I asked my banker who said maybe it had something to do with a {$200.00} student loan debt. I says it has been on my report for 5 years. Never in collections. Dont know what it is. Tried contacting the company with no reply. tried sending a check which was returned. She said dispute it with Equifax. Equifax called the alleged loan company and said " Does she owe this debt '' they said yes and Equifax closed the case with no evidence no explanation and I still have not been able to reach this company! I filed the consumer dictation about the loan not being real. i went back to my banker who said even that would not affect my credit score XXXX points in XXXX month as it is a small amount, not in collections, and it has already been on my report XXXX  years with no effect. CALL Equifax to find out why they tanked your score. Today I called them. The man who answered the phone kept saying he couldnt hear me. Couldnt understand me. I was breaking up. Somehow the other XXXX people I spoken to today ALL understood me just fine.Just not the people screwing up my future! So I went to my account to contact them some other way. there is no other way to contact Equifax and they NEVER added my consumer dictation to my credit report. So aq ) no one knows that this loan is not legitimate and b ) equifax refuses to discuss them obliterating any hope I have of ever ever getting any credit ever again over an ALLEGED loan no one can prove i owe!

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$12000.00} 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/XXXX, Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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, Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} 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 XXXXXX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$14000.00}

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 2025-07-07 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: MO

Complaint narrative:
Subject : Dispute of Inaccurate and Duplicate Reporting Request for Immediate Deletion To Whom It May Concern : I am writing to dispute inaccurate information on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account listed below contains several reporting errors : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments : Sold to XXXX XXXX XXXXXXXX This account was charged off and sold to another lender. Reporting a {$0.00} balance with derogatory status after sale is misleading and inaccurate under FCRA 1681e ( b ). Continued reporting of this transferred account violates my rights under FCRA 1681c ( f ) since the debt was sold. 

Furthermore, the reporting contains inconsistent dates and incomplete information across bureaus, undermining its accuracy and verifiability.

I demand an immediate reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). If the information can not be fully verified with original creditor documentation, delete this account from my credit report. 

Please send me written confirmation of the results of your reinvestigation within 30 days as required by law. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General for violations of FCRA. 

Sincerely,

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 2025-07-07 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: OH

Complaint narrative:
This letter serves as a FINAL WARNING and LEGAL DEMAND for the immediate removal and permanent blocking of fraudulent accounts and inquiries reported on my credit profile as a result of IDENTITY THEFT. This information does NOT belong to me and must be removed from my credit file IMMEDIATELY. 

Under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights under the following provisions : - 15 U.S. Code 1681c-2 Requires consumer reporting agencies to BLOCK all information resulting from identity theft within 4 business days of receiving appropriate proof.

- 15 U.S. Code 1681g Grants me the right to access the full details of my credit report and know what has been reported.

- 15 U.S. Code 1681s-2 Prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate or the result of identity theft.

- 15 U.S. Code 1681i Requires a full REINVESTIGATION and CORRECTION of disputed information.

You are hereby officially notified that the fraudulent information on my report must be DELETED within 4 business days of receipt of this letter and must be BLOCKED from reappearing within 15 calendar days from todays date. 

If this demand is not met, I will immediately escalate the matter by filing formal complaints with the following : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - XXXX Attorney Generals Office - Legal counsel to seek damages under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance This letter serves as your FINAL NOTICE. No further communication will be sent before legal action is being taken. 

Govern yourselves accordingly. 

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 2025-07-07 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: OH

Complaint narrative:
This letter serves as a FINAL WARNING and LEGAL DEMAND for the immediate removal and permanent blocking of fraudulent accounts and inquiries reported on my credit profile as a result of IDENTITY THEFT. This information does NOT belong to me and must be removed from my credit file IMMEDIATELY. 

Under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights under the following provisions : - 15 U.S. Code 1681c-2 Requires consumer reporting agencies to BLOCK all information resulting from identity theft within 4 business days of receiving appropriate proof.

- 15 U.S. Code 1681g Grants me the right to access the full details of my credit report and know what has been reported.

- 15 U.S. Code 1681s-2 Prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate or the result of identity theft.

- 15 U.S. Code 1681i Requires a full REINVESTIGATION and CORRECTION of disputed information.

You are hereby officially notified that the fraudulent information on my report must be DELETED within 4 business days of receipt of this letter and must be BLOCKED from reappearing within 15 calendar days from todays date. 

If this demand is not met, I will immediately escalate the matter by filing formal complaints with the following : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - XXXX Attorney Generals Office - Legal counsel to seek damages under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance This letter serves as your FINAL NOTICE. No further communication will be sent before legal action is being taken. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: IN

Complaint narrative:
I rented an electric car from XXXX. Soon after pick up, the car displayed warning lights on dash and I also found out that I could not charge the car. After calling XXXX and waiting for over a hour, XXXX asked me to return the car to the airport which would have taken me a couple hours to do. As a result, I had to find other ways to get where I needed to go until I could get the car replaced. I requested compensation from XXXX for the days the car was not able to be used. When I returned it for another car, I was told that it would be credited on my bill. It never was so I reached out to XXXX again after getting my final bill in email. When I did not hear back I submitted a dispute on my credit card. The dispute was resolved in my favor and was credited. XXXX never responded to the dispute even though they were given a month to respond. 5 months later they sent me bills in the mail. Each time I received the bill I sent a message to the provided email on the bill with the background and asking for XXXX to contact me to correct the issue. Again, no response was received. I just received notification that XXXX submitted the amount to a third party collection agency. I provided all email correspondence in the attached document to both XXXX and now the collection agency. I also provided a timeline of events and proof of the dispute and outcome from XXXX. I am requesting that CFPB investigate this matter and help ensure the collection account is removed and all related activity ceases. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I have a debt collection on my credit by the name of RADIUS GLOBAL SOLUTIONS LLC. They claim to be the original creditor to whatever is owed. For one I dont have an account of any sorts from them Im also not even sure who the company is. I dont have anything saying I cant dispute this debt or how theyve even gotten my 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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Since XX/XX/year> Capitol One has been charging me late fees, even when I have made a payment.. They are going off the statement date, so, when you make a payment it is placed on the previous statement, not the current payment dew.. There have been many times when the system will hold XXXX payment 's, and I am always getting charged a late fee, even when the system has these XXXX payments but haven't posted them yet. 
As of todays date, my credit limit is XXXX and I show a balance owed of XXXX, and my credit available is XXXX however, because I am always getting charged a late fee, the system has my credit limit of XXXX and my balance is at XXXX my available credit is XXXX.. They have charged me with XXXX in late fee 's since XX/XX/year>.. 
When I did call them, they defended their system, and told me that I did not make a payment is the system said that I didn't .. And here is something funny.. Since XX/XX/year> I have paid this card XXXX and the system shows that I have paid XXXX a difference of XXXX, I have charged XXXX, and we do match on that. So how could they be charging me XXXX in late fee 's..

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : 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/year> - {$0.00}

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 2025-07-07 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$12000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX : {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$53.00} Open Date XX/XX/XXXX Inquiries : 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

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 2025-07-07 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:
I have been a victim of identity theft.The XXXX  account on my Experian credit report should not be reporting and was removed from my credit profile then added back. I request to have this account removed from my credit report as soon as possible. This is very damaging to my credit profile and is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX Balance : {$590.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Payment History : XX/XX/XXXX lates 30 days, XX/XX/XXXX lates 60 days, XX/XX/XXXX lates 30 days XXXX XXXX XXXX XXXX Balance : {$4300.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Payment history : XX/XX/XXXX lates 30 days, XXXX XXXX lates 60 days, XX/XX/XXXX lates 60 days XXXX XXXX XXXX XXXX Balance : {$0.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Payment history : XXXX XXXX lates 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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