vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Verification of Address of Record Radius Global is reporting a location I have never resided at, which violates proper consumer identification guidelines. 
Violation : XXXX XXXX Field XXXX ( Address ), Field 7 ( City ), Field 9 ( ZIP Code ) FCRA 607 ( b ) : Duty to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy Reporting Pay Status : >Collection< on an Open Account If this account is active with Radius Global, why is it also marked as >Collection<? 
Violation : XXXX XXXX Field 17 ( Account Status ) & Field 17A ( Payment Rating ) conflicting data elements FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting inaccurate or misleading information No Sale or Purchase Amount Listed If Radius Global purchased the debt from XXXX XXXX XXXX, how much was the debt sold for? XXXX XXXX requires clear indication if a debt has been sold or assigned. 
Violation : XXXX XXXX Field XXXX ( Special Comment Code use of code 88 or 93 for sold/assigned debts ) FCRA 609 ( a ) ( 1 ) : Right to know the source of the information Original Creditor Listed, Yet Collector is Reporting If XXXX XXXX XXXX XXXX XXXX original creditor and Radius is reporting the debt, XXXX XXXX XXXX clarity on the furnisher vs. original creditor relationship. 
Violation : XXXX XXXX Field XXXX ( Furnisher Name ), Field XXXX ( Portfolio Type ), and Field XXXX ( Creditor Classification Code ) Past Due Reported on a Collection Account A collection agency should not report both a " Past Due Amount '' and a Pay Status : Collection, as this creates duplicate derogatory impact. 
Violation : XXXX XXXX Field XXXX ( Past Due Amount ) conflicting with Field 17 FCRA 607 ( b ) : Misleading reporting resulting in inaccurate creditworthiness data

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 2025-07-16 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Car was deemed total loss! The person that hit me insurance paid loan in full but yet they r trying to sue me for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, XXXX, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/year> the amount of XXXX and the act taken by me was I wanted the original documents from this account provided to me within a thirty day time period in which they werent able to provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: GA

Complaint narrative:
I AM FILING THE FTC IDENTITY THEFT AFFIDAVIT TO REPORT XXXX SEPARATE FRAUDULENT ACCOUNTS appearing on my consumer TENANT SCREENING CREDIT REPORT which I do not recognized.as reported and which are results of identity theft and fraud. I also contacted the courts that these companies claimed they received this fraudulent information, and the courts admitted that they do not give information to third party agencies. 
These fraudulent accounts consist of Civil Courts Record XXXX and XXXX XXXX. These accounts appearing on my XXXX XXXX XXXX XXXX has resulted as adverse information. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection cease per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBs XX/XX/year> enforcement action against XXXX XXXX resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. XXXX XXXX DE 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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
No call just restricted account no warning and closed account without any contact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-16 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage. Do anything necessary to remove them from my report now!

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 2025-07-16 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am filing this complaint because Caine & Weiner has failed to properly validate a debt that I disputed, as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

After disputing the account XXXX directly on my credit report, I received a generic collection notice from Caine & Weiner with limited information no signed contract, no billing statements, and no proof they own or have been assigned the debt. This is not sufficient validation and does not meet the federal standard. 

I am requesting the CFPB to investigate this collection activity, as they are continuing to pursue collection without complying with my dispute rights. They are also threatening to report this account to the credit bureaus despite the lack of proper verification. 

I want this account removed from my credit reports and for Caine & Weiner to cease contact until proper validation is provided. 

I am requesting that the Consumer Financial Protection Bureau require Caine & Weiner to delete this account from all credit bureaus immediately due to failure to properly validate. 

Continuing to report and collect on an unverified debt is a violation of both the FDCPA and FCRA. I am also requesting confirmation that the account has been deleted and no further collection activity will occur unless full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information being reported on my credit file concerning alleged debt ( XXXX ) listed under the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which appears on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers are legally obligated to report only accurate and verifiable information to consumer reporting agencies. Any failure to do so constitutes a direct violation of federal law.

The reporting of the referenced account ( s ) is inaccurate, incomplete, and misleading for the following reasons : The debt in question has been canceled or otherwise discharged. According to IRS Publication 4681, any canceled debt must be treated as gross income and reported accordinglyeven if Form 1099-C was not issued. This implies a final resolution and termination of any claim to collection, thereby rendering continued reporting of the debt as " owed '' false and misleading.

The failure to update the credit report to reflect the cancellation of debt constitutes continued publication of incorrect financial data, which is a violation of your duty under 15 U.S.C. 1681s-2 ( b ) to investigate and correct disputed information upon notice. 
Your actions have caused material harm to my livelihood, financial stability, and personal reputation. Due to your failure to properly report or correct this information, I have been subjected to credit denials, higher interest rates, and reputational damage. 
DEMAND FOR ACTION In light of the foregoing, I demand the following actions be taken within 30 calendar days from receipt of this letter : 1. Immediate investigation and correction of the inaccurate information pursuant to your obligations under 15 U.S.C. 1681i and 1681s-2. 
2. Full deletion of the derogatory tradeline or update to reflect the debt as canceled/discharged.

3. Written confirmation of your findings and corrective action.

4. A copy of any documentation used to verify the validity and current legal status of the debt.

Please be advised that failure to comply with your statutory duties may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's Office, and may result in civil action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 
This letter is being sent without waiver of any rights, claims, or remedies, and is sent without prejudice and with full reservation of rights under the Uniform Commercial Code and applicable federal and state laws. 
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 2025-07-16 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-16 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I am highly dissatisfied with your response and am requesting immediate corrective action for the following reasons : Failure to Provide Proof of Verification or Original Contract As permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I formally requested that Equifax provide : Documentation verifying the accuracy of the disputed item, Specifically, a copy of the original contract bearing my signature as proof of a valid consumer relationship. 

To date, Equifax has not provided any such documentation. A generic statement that an item has been " verified '' is not sufficient under federal law. You are required to conduct a reasonable reinvestigation and provide supporting evidence upon consumer request. Failure to provide these documents demonstrates that a proper reinvestigation has not been conducted. 

Untimely Response As outlined under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ), credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. Equifax responded after this timeframe, which is a clear violation of the statute.

Demand for Deletion of Unverified Information According to FCRA 1681i ( a ) ( 5 ) ( A ), if an item can not be verified after reinvestigation, it must be deleted from the consumer 's credit file. Since you have failed to provide documentation proving the accuracy or validity of the disputed information, I am now demanding that the unverified item ( s ) be permanently deleted from my credit report within 15 calendar days of this notice. 

Failure to comply will result in further complaints filed with the CFPB, the Federal Trade Commission ( FTC ), and consideration of legal action for violations of the FCRA and any applicable state consumer protection laws. 

Please provide written confirmation of deletion, or provide the full documentation requested ( original signed contract ) within the 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This account was already paid by XXXX XXXX XXXX XXXX Back in XXXX  I even got a refund cause they paid it this capio company bought this debt from another company I have no idea this was even my account my credit was literally a XXXX now this comes out of no where

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Despite submitting valid disputes, the credit bureaus failed to verify or correct inaccurate accounts on my report. This has negatively impacted my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief